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Where do you get the information that you wrote about? I'd be very interested to read into it further. Anybody know any relevant works off the top of your head that you could share?

Unfortunately this is from anecdotal experience. I was living and working in Japan for some time so I saw first hand what services are offered and how people behave.

Credit card penetration is pretty high in Australia.

Its a few years old, but as of 2009 at least 65% of Australians have credit card debt. http://www.abs.gov.au/AUSSTATS/abs@.nsf/Lookup/4102.0Main+Fe...

From my experience in Nepal credit cards are pretty much non-existent....apart from the local cards which only work within the confines of Nepal & India.