Re: They does
Most of this is guessed/inferred, not actually known. Payday? Unless they are looking at my bank account there's no way they would know that. No, I don't have a Tesco bank account but I do have their credit card, the timing of spending and billing of which is entirely unrelated to when I get paid, as is my shopping.
Occupation/husband's occupation? Not sure how my supermarket shop could give this away, unless you buy a specific magazine for that occupation (how many of those are there?)
My guess is that Tesco and the others have a lot of semi-accurate and some completely inaccurate information about people.