Earlier quoted context omitted.
Of course it is a big place. It is also a big place where credit cards just aren't a thing for most people: https://n26.com/en-eu/blog/taboo-of-credit That article lists some reasons why using a credit card doesn't make sense in most European countries. It's not a way to build up your credit score for one. As a Dutchman, the only way I can lower my credit score is by taking on debts (with the exception of a mortgage)…
> It is also a big place where credit cards just aren't a thing for most people Nonsense. It's hard to find actual statistics on the number of credit cards, but it's obvious that the Netherlands are an outlier, with a paltry 0.02 credit cards per capita, vs Luxemburg's 3.98 (wtf). If I filter out the non-EU countries from the dataset below, I end up with 0.5 credit cards per capita. That's nowhere near "not a thing f…
The median seems to be 0.25 cards/capita. Your own source already ~agrees that they're "not a thing for most people" (if we're really pedantic we can start looking at populations of those countries), but to find a more realistic estimate for the percentage of the population who use credit cards we would have to divide this figure by the average number of credit cards among people who have at least one.