Comment by sofixa

> Sure, but the question was specifically regarding credit cards, not debit cards. In which case, they would be correct in that penetration is appears lower for credit cards in the EU no?

Yes, but that's because credit cards aren't needed in the EU (you don't need to build credit, and you get the same protections on both). So it's useless to try to focus on credit cards in particular, it only makes sense to consider debit+credit.