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Fortunately for Russia debit cards cover 99% of their use cases.

I look at that as an advantage. Credit cards just keep a large portion of the population in unnecessary debt. Debit cards are much more logical in almost all situations.

In fact I use my credit card like a 1 month delayed debit card. The line of credit is useless.

> large portion of the population in unnecessary debt.

thereby increasing the money supply and velocity of money. Waiting until you have money to spend it slows everything down.

> Waiting until you have money to spend it slows everything down.

Which is probably a good idea for most people and most situations.

For people need money, credit card is a thing can be helpful at a time and lock them in debt for long term. Most people pay interests on credit card are those you don't want them to be on credit card, poor people.

There are also credit cards that use Union Pay. Basically a debit card connected to a credit line. IIRC Union Pay is really the payemnt processor.

Debit is extremely common in Sweden.