In Germany the debitdard is much more popular than a credit card. In addition Germans don't use credit cards to get credit as for example many Americans do it. The credit card is more used to for traveling and shopping abroad. For shopping and paying in Germany its either cash or the debit card which is widely accepted. So for many there is no reason to get a credit card. Not everyone is a flyertalker who tries to earn additional mile by using an airline credit card.