I’ve always found this bizarre as well. The amount of air miles/cash back/whatever my U.K. relatives leave unclaimed by purchasing everything on debit cards is

I’ve always found this bizarre as well. The amount of air miles/cash back/whatever my U.K. relatives leave unclaimed by purchasing everything on debit cards is nuts to me, not to mention the extra sales dispute options a credit card provides, often free insurance for rental cars etc. The “Europeans are debt adverse” argument doesn’t really make sense to me either - if you clear your credit card balance each month this is in practice much the same to you as having purchased the same goods on your debit card, just minus many kinds of rewards or benefits. The amount of money I receive in cashback via credit cards largely dwarfs any kind of interest I make on the cash in my household spending current account.