Want to know if you can trust my credit card? Ask my fridge

My fridge is quite smart in a dumb sort of way.  It knows a lot about me. It knows where I live, because we cohabitate. It knows that I was at home at 7:30 this morning because it sensed my fingerprints when I opened the door and used the last of the milk.  It knows where I am because it has a direct link to my GPS phone. It knows my credit card because I purchased it using the same card.  You know you can trust my credit card because you can call my fridge on your phone and ask it if the person about to pay for the milk is carrying the same phone and credit card. Disclaimer.  My fridge isn't that smart just yet and the bank and the local store haven't yet made their IT systems Welcomer Enabled; but one day they will.