From my experience most Germans don't own a credit card. Everybody owns a EC card (since it's your normal bank card) but most people only use them if circumstan

From my experience most Germans don't own a credit card. Everybody owns a EC card (since it's your normal bank card) but most people only use them if circumstances prevented them from carrying sufficient cash (unplanned big purchase etc). Card use is on the rise, but it's far from the norm