alt Hacker NewsOf course it is a big place. It is also a big place where credit cards just aren't a thing for most people:
https://n26.com/en-eu/blog/taboo-of-credit
That article lists some reasons why using a credit card doesn't make sense in most European countries. It's not a way to build up your credit score for one. As a Dutchman, the only way I can lower my credit score is by taking on debts (with the exception of a mortgage).
The US is a big place too. I am fairly comfortable in making the sweeping statement that credit cards are a thing used by many people there.
> It is also a big place where credit cards just aren't a thing for most people
Nonsense. It's hard to find actual statistics on the number of credit cards, but it's obvious that the Netherlands are an outlier, with a paltry 0.02 credit cards per capita, vs Luxemburg's 3.98 (wtf). If I filter out the non-EU countries from the dataset below, I end up with 0.5 credit cards per capita. That's nowhere near "not a thing for most people". They're just "not a thing" in NL. Big difference.
https://www.statista.com/statistics/1395502/credit-cards-in-...