Decided to google some,

In all of EU, 40% of people have a credit card. You're right that it varies greatly throughout the countries.

The highest credit card per capita rate is in Luxembourg, with around 3 per capita (for comparison's sake, in the US it's 3.5 per capita, in most EU countries at 1 per capita).

The highest ownership rate is in Luxembourg, with 87% of people having one. The lowest is in Hungary, with only 9% of the people having a credit card.

Some other countries: Denmark 71%, Bulgaria 12%, Lithuania 16%, Romania 17%. The rest of the EU countries can be seen here, on page 13

http://ec.europa.eu/public_opinion/archives/ebs/ebs_373_en.p...

Definitely true, but Scandinavia, the Netherlands and the UK do have low level of credit card use, it's basically all debit cards, sometimes even using some local system. The Netherlands is ridiculous in this, when I was there is summer hardly anybody took Mastercard or Visa.