[tlogan]

Yes, but the EU is quite diverse.

I have some Irish friends. And Ireland seems similar to the US when it comes to credit card usage (vs debit). I assume that is because Ireland is heavily influenced by US and UK banking habits. On other hand, Germans only use debit cards.

[padjo]

I am Irish and in my experience most people use debit cards these days. I have a credit card but almost never use it.

[tlogan]

I assume this is my “bounded rationality” / “bubble” bias (my impression was based on the people I know and not the full picture)

I checked the stats, and about 40% of purchases in Ireland are made by credit card. In the US, it is around 70%.