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The statistics that I found on a quick google show pretty small differences in debit/credit split between the US and EU. EU just has more cash. (these numbers are self-reported through a survey though so may be unreliable)

US Cash/Debit/Credit: 30%/35%/30%

EU Cash/Debit/Credit: 38%/30%/26%

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These are percentages of what, exactly?

(If it's 'type of payment method' owned: possible. But if it's volume of currency exchanging hands then it //really// mismatches with my experiences in US vs Northern EU)

That said, northern EU is the place where people don't remember exactly how cash looks like since everything is paid either with card or using an app. But northern EU is population-wise a rather small market.

Exactly, but most of those I would think of as "debit", albeit electronically. (RFID bank card, apple pay -- all do not route to a line of credit in Europe but to debit/checking accounts).

The chart said percentage of transactions

European CCs provided by banks are often direct debit. On top of that, having a CC as backup for travel is common too. Transaction volume will show a very different distribution.

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