[riffraff]

I feel credit-cards-as-credit is mostly an American thing, basically everyone I know in Europe treats their card effectively as a debit one, the only difference being you could not rent a car with a debit one.

Some people don't even know the difference and get surprised when their card cannot be used for some credit usages.

(That is just my anecdotal evidence, of course)

[MSD1976]

You're definitely right. Different countries have varying degrees of credit vs debit penetration. US skews more credit.