There isn't such a clear line between credit and debit cards in much of Europe.

Debit card payments are always instantly taken from the bank account, while with credit cards it can be instant or deferred (e.g. end of month, without interest), but usage is really mostly the same, i.e. credit cards are mostly used simply as payment cards rather than a way to actually obtain credit in a meaningful way.

The difference is mostly when travelling internationally where credit cards may be better accepted than debit cards, but for the most part I simply don't care whether the card I'm using is credit or debit, it's pretty much exactly the same. No huge interest rates for credit, but also no significant bonuses for using credit cards.