Re: ok, i'm a stick the mud
Android uses the cloud to generate payment tokens. The phone stores a small number so that these can be used in a network black-spot.
Given that, for the likes of iTunes or Google Play, either operator is likely to already be storing a copy of your credit card details, I'm not sure this is a big concern. If you don't but anything online, you're unlikely to be opting in to either service.
Biting the hand that feeds IT
