And most Europeans that have a credit-card need to pay them off at the end of the month. Technically they are charge cards. Unlike a traditional credit card, a charge card does not allow you to carry a revolving balance.
Let's not pretend that predatory lending is not a thing in at least some EU countries as well, just because it takes other forms (installment payments, buy now pay later etc.), but as a general trend, I'd agree that it's much less common.
The main difference between credit cards in Europe and in the US is that poor people can't get them here.