I have several Visa and Mastercard credit cards. Amex tries go get into the market here, but have higher interest rates and a yearly fee, while most Visa and Mastercards are without any yearly fee, so Amex is rare here. The credit cards I have are not connected to my account and if I pay all the next month there is no interest, but if I only pay parts there are lots of interest. I do get points/credits on some of the cards, so that are the cards I do use.

So I am not sure what is the difference between these cards and "US-style" cards. Maybe that we only need to get an automated credit check based on past years tax reports to get them, instead of having to work hard to get a good credit score?

The differences between different parts of Europe can be larger than the difference between some parts of Europe and USA