> In Europe, banks don't like you taking out credit cards. Borrowing money is viewed as a weakness and it's best to never do it.

Don't know about that, "Europe" is a big place. Credit cards are pretty common in the UK at least, and stuff like balance transfer cards (for shuffling) are too. Maybe not to American extents, but hardly a weakness.

In fact, looks like more people in Iceland, Norway and Switzerland own credit cards than the US: https://www.statista.com/statistics/675371/ownership-of-cred...