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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by SomeUserName432 on Wednesday February 11, 2026 @04:04AM (#46972611)
My only data point from Europe is Norway, where credit cards are widely adopted.

There are also official debt registries, where you (and prospective lenders) can look up how much debt you have.

A bit different than the credit score concept.

Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by NicuCalcea on Wednesday February 11, 2026 @08:05AM (#46974465)
Seems you're right, Norway has one of the highest credit card ownership rates in the world. https://genderdata.worldbank.org/en/indicator/fin10

In Moldova where I'm from, only 8% of adults have one.