[tlogan]

Germany is very debit-card oriented (with no interest of switching). The Netherlands seems similar. Eastern Europe and the Balkans are also mostly debit-card oriented, but people seem more open to switching to credit cards (if they can get one - especially the younger generation).

Ireland and the U.K. seem much more credit-card oriented than rest of Europe. Turkey is also very CC oriented (kinda strange - was not expecting that).

[crvdgc]

Some providers in the UK issue debit cards with limited interest-free overdraft and charge back features. So they are basically credit cards if you squint your eyes enough.

[physicsguy]

In the UK people predominantly use debit cards but credit cards are widely available. Everyone gets a debit card with any current account (i.e. non-savings account). In March this year there were 2.3 billion debit card transactions vs 400 million credit card transactions according to this:

https://www.ukfinance.org.uk/data-and-research/data/card-spe...

[illiac786]

It used to be like that in Germany, it changed quite a bit. My debit card now is refused more often than my master card when I’m in Germany. I do tend to stay in large cities and not in the country side though, so my perspective is not a statistic.

But it definitely changed massively during Covid. Before Covid shops refusing _any_ card where still common (again, large cities is my spectrum) and debit card were accepted vastly more often than credit card.

[surgical_fire]

In Ireland and the UK, from experience, people use debit cards a lot more than credit cards.