Rotterdam, Netherlands: Pay metro ticket according to your nationality
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No we don't like credit cards, because of the high rates and we don't like having debts. Why a credit card if you can use your debit card everywhere? We like to save up our money for big expenses, it is typically Dutch to do so.
People who travel frequently have credit cards, but usually when they get back in Holland they pay the debt and don't use them in daily life.
It's just who we are as people you have to deal with it we are not going to change 
Ramses K. wrote:No we don't like credit cards, because of the high rates and we don't like having debts. Why a credit card if you can use your debit card everywhere? We like to save up our money for big expenses, it is typically Dutch to do so.
People who travel frequently have credit cards, but usually when they get back in Holland they pay the debt and don't use them in daily life.
It's just who we are as people you have to deal with it we are not going to change
You know, if somebody asked me to describe a Dutch person by his traits, this would be one of them; my wife would say exactly the same.
Austria is the same with Credit Cards, But each month the money is taken off your bank account if or not you have money in the account.
The general use of a CC is if you go on holiday, or do online shopping.
For online shopping I use Ideal or in rare cases PayPal. For example Amazon.de is getting more populair in The Netherlands since they added Ideal 
Credit cards will never get populair in The Netherlands. If you want a credit card you have to go to your bank and the conditions for getting one depends on your salary.
We don't want people in financinal problems and are very strict about it.
Getting a mortgage in The Netherlands is also very tough and you must have some savings to buy a property.
We are very cautious people 
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