[rkudeshi]

If not credit cards, then what do Europeans use?

[thibaut_barrere]

In France at least, credit card are far more often used than wired transfer etc.

[die_sekte]

Sane wire transfers, direct debit, and a multitude of other things. Credit cards are on the rise though.

[masklinn]

On the other hand, even debit cards are usually called credit cards, at least in france (either that or "carte bleue" which is the french standard for these things).