Most places other than the USA, when they use these card networks or their local country networks, are normally using debit cards. There's just no reason to overcomplicate a payment card by making it also a loan.

Mid-thirties Brit here. I've never owned a credit card, neither has my partner.

All of our card transactions are with a debit card.

I've never needed instant-access debt so it's not really an attractive proposition. Perhaps the added consumer protection rules could be worth it, but it's not been an issue to date.

Much more common in Europe, which is partly cultural, and partly because there's not the same single/dual message technical distinction between debit and credit cards, so you don't "need" a credit card in the way you would for certain things in the US (e.g. a hotel that wants to preauth it).

I buy flights on credit card, and other one-off purchases like house and car insurance, and often my Costco purchases (because the credit card lives in a different wallet where I normally keep my membership card).

My day-to-day wallet just contains a debit card so that gets used for almost everything else.

Internet transactions are usually done using Revolut because then I can use a disposable card number.

do consider that in Italy most credit cards cost around ~30€ per year + a 2€ tax for all months you spend more than ~70€ and most offer no benefits. Debit cards are offered for free by all banks. So credit is only used to rent cars (not really mandatory anymore) and if you really need the credit (but other ways of getting short term credit exist now).

I’d say it’s the norm in much of Europe for starters…

Anyone who's credit rating is bad enough to not be able to get a credit card.

Roughly half of all card users in the US, and probably much more elsewhere.

I can’t remember the last time I paid using anything else in the UK. Occasionally a credit card if I need additional protection