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<p>[QUOTE=&quot;chrisild, post: 1823477, member: 39&quot;]Well, I just tried to explain in my previous post why a credit card is not that useful or necessary in cases/countries where everybody has a debit card anyway. <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie1" alt=":)" unselectable="on" unselectable="on" />&nbsp; When I pay at a supermarket, I usually use cash (low amounts) or one of my debit cards. And when it comes to paying a magazine subscription or my utilities bill, all I do is sign a direct debit authorization once, and that&#039;s it. Now a friend of mine in the US uses his credit card as much as possible, also because he has an extra incentive - collecting airline miles, that is.</p><p><br /></p><p>Until a couple of years ago, the only reason for me to have a credit card was my trips outside Europe. Of course things have changed since then, with regard to both purchasing habits and payment options. The credit card that I use these days will at least get me a rebate at most gas stations. Useful when a liter costs €1.479 or so ...</p><p><br /></p><p>Not sure about France; they use plastic a lot. Again, whether that is debit cards or credit cards does not matter much in my opinion. Also, while in Germany checks have been pretty much dead for many years, they are still somewhat common in France.</p><p><br /></p><p>In Europe, the Scandinavian countries are well on the way to almost cashless societies. In Sweden they use less cash (in terms of payment volume) than people in the EU/average or in the US. But even in Sweden the central bank is about to replace the current coins and notes with updated ones. New fodder for us collectors. <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie2" alt=";)" unselectable="on" unselectable="on" /></p><p><br /></p><p>Christian[/QUOTE]</p><p><br /></p>

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