> In Germany, most people don't have a credit card because you don't need one in daily life. Same in Poland. I vaguely remember not being able to pay for somet

> In Germany, most people don't have a credit card because you don't need one in daily life. Same in Poland. I vaguely remember not being able to pay for something online with Visa Debit or Mastercard Debit something like 15 years ago. The cards were issued by Polish banks. From my understanding, the situation in Germany is similar regarding card payments - debit cards have the same payment functionality as a credit cards.