Americans have more credit cards and use them more than any people in the world. Much more so than anyone else.
I was hired a few decades ago in Japan to examine the reasons so few Japanese had and used credit cards. Answer, when young people were given cards they ran them right up to the limit, immediately. When older people, people with children were given cards they never used them.
Japan is a cash society with minimal theft, so a credit
card is meaningless. Credit is traditionally used for a car purchase
or a mortgage so the abstract idea of personal credit doesn't exist.
We fail to see that the American invention of and development of personal credit skills has had the effect of increasing our effective income, allowed us to personally borrow from our future higher earnings and smooth out irregularities in our expenses. In general, credit cards provide a net increase in our social well-being.