Same in Estonia. You use a credit card anywhere locally _only_ when you don't have actual money. Somebody using their credit card once per month for local purc

Same in Estonia. You use a credit card anywhere locally _only_ when you don't have actual money. Somebody using their credit card once per month for local purchases? It's a sign that they are rather bad at managing their income and that's a negative sign for banks if you want to get a loan later on..