Sorry, but bank laws have been "unified" across the EU. I cited my experience with Italy because writing about my wife's experience in Greece would be at least twice as long But if you don't believe me, feel free to apply for a Cypriot Alpha credit card; I obviously have no problem with that and we'll get a definite answer.

Finally, when a bank calls one of its products a credit card, it's a credit card, irrespective on how you pay your bill.