In EU we mostly use debit cards (virtual and real), as having debt isn't something most people want to have, and credit cards inherently mean debt. Apart from that, you can't really use the card for payments without authorization. Someone types in my card's info in some payment form? I get a SmartID (https://www.smart-id.com/) verification request, further making credit cards not very useful (I understand security is why North Americans use credit cards?).