And on to the business of marketing now, our regular feature called Ad Report Card.

NPR: Slate's Ad Report Card: Burger King's Buzz Marketing

He writes the Ad Report Card column for the online magazine, Slate.

NPR: Ad Report Card: Apple's Sour Mac Pitch

It probably does not have its own ad sales team, so it is getting those credit-card ads from an advertising network such as DoubleClick.

ECONOMIST: Monetise this

Online budgets that are directed at social ad campaigns will further expand as consumers share experiences connected to their offline card transactions, including reviews and gifting.

FORBES: The Credit Card Is The New App Platform

From this, Yahoo can divine that an anonymous user is a 25-year-old man in California with a Visa card, in need of flowers for the missus and keen to see a "click here" ad from a nearby florist.

FORBES: The Killer Ad Machine