In general, yes. My friends in the Netherlands, Germany, Belgium and Switzerland all notoriously shy away from CC. Interestingly my friend in Switzerland could

In general, yes. My friends in the Netherlands, Germany, Belgium and Switzerland all notoriously shy away from CC. Interestingly my friend in Switzerland couldn't finance his car purchase. You either have to lease or buy the car in cash. Yes, full cash payment. For an American, that's baffling...our whole car industry is based off of credit (and perhaps quite indirectly related to it's demise.)