Germans are usually very aware of hidden costs and credit cards are usually more expensive per transaction.
Germans also usually are much less in debt than for example many US citizens - for example the University education costs much much less. Young adults have 1400 Euros (plus!) on their giro account and it is typical to pay from that account.
> But the same publication says that only a bit over 50% of the population even own a credit card
Because many cashless transactions are done with girocards. https://en.wikipedia.org/wiki/Girocard
Germans are usually very aware of hidden costs and credit cards are usually more expensive per transaction.
Germans also usually are much less in debt than for example many US citizens - for example the University education costs much much less. Young adults have 1400 Euros (plus!) on their giro account and it is typical to pay from that account.