That’s interesting. The Germans I’ve known in Ireland were addicted to cash; in big, thick wodges if necessary. They’d sometimes use debit cards on the high street, mostly for four figure sums and also for internet purchases, but otherwise, it was paper all the way.
They certainly used credit cards as little as possible.
I’d say CCs are good for remote purchases, because they come with a higher default level of insurance, compared with debit cards. For big purchases online, I’ll always use a credit card for that reason, as well as to manage cashflow sometimes. For the former reason, it means that if I see a suspicious transaction (which I haven’t had yet, fortunately, apart from a couple of fishy null transactions that the bank caught before they even cleared), it gives me two to six weeks to chase it up and cancel or reverse it before I lose any real money. As for the latter, my CC is paid off by direct debit, so it’s effectively just a debit card with a long clearance time, which allows me time to make transfers to my current account when necessary.
I don’t even know what its interest rate is.