What do you mean by "over here"? In France, Poland, Italy credit cards are common, as are debit ones. It does not make much of a difference, they draw money

What do you mean by "over here"? In France, Poland, Italy credit cards are common, as are debit ones. It does not make much of a difference, they draw money from your account either immediately or after some time. For all the typical cards, there is no" minimal payment", you may all the debt.