[SomeUserName432]

I would never buy a plane ticket on debit.

Airbnb reservations I also tend to do on credit.

Anything related to company expenses I also do on credit and receive reimbursement prior to having to pay it myself.

[NicuCalcea]

It's just now how it works in most of Europe. I've lived in four countries, had accounts with lots of banks, paid for countless plane tickets and booking reservations, and only had a credit card once when I was issued one at work. I don't expect I'd ever get a personal one, and can't think of anyone that regularly uses one.

The only time I even considered it was to build a credit score in the UK to eventually apply for a mortgage, but even then it's not really necessary.

[wolvoleo]

In EU to build credit score the best thing is to have no credit at all. I'd be surprised if the UK works differently.

[SomeUserName432]

My only data point from Europe is Norway, where credit cards are widely adopted.

There are also official debt registries, where you (and prospective lenders) can look up how much debt you have.

A bit different than the credit score concept.

[wolvoleo]

Those 'protections' have nothing to do with the purchase being credit or debit. They're just artificial incentives from the banks for you to pile on the debt. We frown on that behaviour here in the EU so it doesn't really happen. The same with the cashbacks american banks offer on credit cards, they're just paid by the extortionate card processing fees that vendors pay. So essentially, you are paying for your own cashbacks because the vendors just include it in the price in the end (and usually for everyone, not just those paying by credit card)

Besides, if you want insurance just get a 30€ per year rolling package.

[antonkochubey]

> Besides, if you want insurance just get a 30€ per year rolling package.

My credit card has a yearly fee of €36 (and it’s not like having a debit card instead would have been free). The total annual insurance premiums of all insurances that it includes (travel, third party liability, purchase) would exceed €200 from the same provider.

[Hikikomori]

In Europe you typically have travel insurance on debit cards as well.

[Sharparam]

Certainly not the case in Sweden. Although travel insurance is usually included in your home/renters insurance.

[tremon]

It's usually not tied to the debit card, but plenty of banks offer ad-hoc travel insurance as part of an options package with their checking accounts.

[distances]

What? Where? I don't believe this to be common, and have some doubts about this existing anywhere at all.