Probably a cultural thing. Debit card means you're responsible and take money out of low/zero interest checking account at the principal bank where we Germans

Probably a cultural thing. Debit card means you're responsible and take money out of low/zero interest checking account at the principal bank where we Germans hoard our money. Credit card means you're on shaky financial ground, deal with credit card companies with their fine print, risk punitive overdraft charges, and have probably no idea if you have any money left. Sadly, things are changing and many people seem to take on irresponsible loans (i.e. for anything except real estate).