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According to this, he's mostly right: https://www.theglobaleconomy.com/rankings/people_with_credit_cards/ https://www.theglobaleconomy.com/rankings/people_with_

• HunOL 7mo ago
  It's not about owning credit card, but about being able to use it in physical shop. In one of the parent comments author of comment to which I replied said: > Why would you expect to be able to use a creditcard in a physical shop in the Netherlands? And then > Because this is a thing in most of Europe.