That's mixing apples and oranges. Digital currencies have nothing to do with credit cards.

First, consider: The Euro is already digital, as are all the other European currencies. We can easily transfer money electronically, either via our bank, or via a variety of different apps.

The "Digital Euro" (and similar proposals by other political entities) has only one purpose: Causing all of your transactions and financial data to pass through government hands.

Complete surveillance. The government knows everything about your financial life, and can intervene whenever and however it wants: from stopping an individual transaction to completely freezing your assets. De-banking made easy.