It's true that America is very far behind now but they're also the ones who started creditcards all the way back in the 1950s. Anyway I have a theory: big coun

It's true that America is very far behind now but they're also the ones who started creditcards all the way back in the 1950s. Anyway I have a theory: big countries are too far up their own ass to notice or care what the rest of the world is up to. Compare a small, international oriented country like the Netherlands or Denmark to sleepy provincial Germany.