But I have the feeling credit cards are getting more mainstream lately.

When I moved to Stuttgart 10 years ago I only could pay with EC card at supermarkets, now I can pay with credit card.

With the RFIDs they even got much faster, I often don't have to enter a PIN or give a signature, just wave my credit card over the terminal and be done with it.

Also I can withdraw money from all ATMs of all banks without any fees.