The only thing for which I use credit cards are online purchases from foreign websites that don't support iDeal.
Everything else is through regular bank transactions, either through pin card, direct transactions, or iDeal. All Dutch banks support iDeal, and I wish the rest of the world would too because it's vastly superior to credit cards.
Using my card, I get good post-purchase protection (via threat of chargeback or card issuer-provided warranty increase) and excellent fraud protection.
Everything is handled by my own bank, and if I don't trust my own bank, I can choose a better bank and use that. With credit cards, I have to use whatever payment provider the merchant uses, and either they or the merchant can hang on to my credit card number, which weirdly is sufficient to access my money. Also, there are only two credit card providers that really count; not a lot of choice there.
Chargebacks may seem attractive as a buyer, but they also mean that a seller can lose their money after they legitimately sent the goods. Merchants would have to track down individual customers to sue them to get their money back.
Still you don’t really see the vendors at small farmer’s markets with the payclip things like you do in NZ.
Also the local eBay equivalent TradeMe gained its popularity on this network. Given somebody’s bank account number I can transfer money to their account within an hour (used to be overnight until a few years ago). There’s no reversal for this so it’s safe for the seller, and since it’s a real bank there’s no way to freeze it without a court order.
The banks being banks of course are trying to ruin this, since using the big card networks gives them free revenue.