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> Paying by card is common, paying using a Credit Card not necessarily.

Care to expand on that?

Here are the statistics for Denmark.

"International Credit Card" are a small fraction of the total -- under 5%. The vast majority of transactions by number and value are by debit card.

(The national/international distinction is between Dankort, the Danish card payment system only used on most debit cards here, and the foreign companies like Visa and MasterCard.)

https://www.dst.dk/en/Statistik/emner/penge-og-kapitalmarked...

Dankort is dying though and some banks don't bother issuing it, some of my coworkers just have a Visa but not a Visa/Dankort. It works just as well. I doubt my Fitbit even supports the Dankort bit of the card, but I have never had any difficulty paying anywhere.

(For international readers, in Denmark, unlike Germany, the national debit card can be combined with a credit card on one card and then the terminal just chooses automatically)

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