Most people in Europe don't rely on credit card debt. We buy stuff only if we have the money in our bank account. And if we don't, we just overdraft our accounts.

20 years ago, credit cards were a thing that mostly people who travelled a lot had. Then people got credit cards so they could buy stuff online, but a few years ago debit mastercard / visa replaced maestro, and we no longer need credit cards for online shopping.

So people stopped getting credit cards.