And those who live in places where credit cards are a common thing.

Here, most people have so-called credit cards with no actual credit lines tied to them

And no, they aren't debit cards. Those are yet another's thing over here, apparently.

Nothing to do with the original subject, but does anyone else feel like opacity is the core of retail banking's business model?

These cards exist in the US as well. They're called "charge cards" here. The classic American Express card is one example. Now that I think about it, I'm not sure that anyone else still issues them.

You can pick what part of the month you bring the laptop in, it doesn't have to be tomorrow.