3/ All cards are contactless equipped! Unfortunately, the limit is hard-set at 25 euro, and if you exceed it, the transaction will fail, then they have to set it up for pin 

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4/ If you want to pay online, you have to use iDEAL, a mess of a "secure" way to pay with the same card. That means using a calculator 2FA at most banks, and being locked out of the international market (Holy wow, Amazon is so much cheaper than local)pic.twitter.com/8lkC594jeN
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5/ It's OK though, the banks have credit cards! But they're REALLY SCARED YOU MIGHT GET IN DEBT so your limit will be insultingly low. Probably not enough to do much with it — and it can't be reloaded when you fancy. This guy is slathered all over 'em:pic.twitter.com/wm1XgF4y0H
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6/ There's one Dutch bank startup, Bunq, which looked promising but ended up what you would build if you'd heard of credit cards but never really used one (e.g each credit card payment requires manual(!) approval)pic.twitter.com/3mp4ZG6cjV
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6/ I've been here three years and I pay online on my NZ credit card mostly because it's easier than paying locally. Seems people think the system is fine, so nobody's really pushing for innovation + nobody understands the actual upside of credit cards (insurance, whee!)
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7/ 100% understand trying to dodge the Visa/Mastercard fees/being debt averse but the payment landscape is super backwards as a result. Folks don't see the upsides, nor the cheaper stuff in neighboring countries, because they're locked in.
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Replying to @ow
It’s more the regulated transaction fees http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex%3A32015R0751 … and interest rates https://www.rijksoverheid.nl/onderwerpen/bescherming-van-consumenten/vraag-en-antwoord/wat-is-kredietvergoeding-en-wat-is-het-maximale-kredietvergoedingspercentage … Dutch households are certainly not debt-averse https://data.oecd.org/hha/household-debt.htm …pic.twitter.com/VJWRfrQ9lf
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Replying to @thijsniks
Ha! I knew about the house debt but _damnnnn_. I think credit cards have another stigma on them, like they'll be instantly stolen or something
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Replying to @ow
I don’t think security concerns are necessarily top of mind. Regulation often shapes a culture: Transaction fees are low, so offering credit cards is not profitable, and therefore nobody will get one — which makes them unknown and weird to have
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Replying to @thijsniks
I dunno about that. Every time I've been out somewhere and even _mention_ i have a credit card I get the ORLY U DIDN'T GET SKIMMED ALREADY? talk
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Interesting. Has never happened to me, but then again, I also don’t talk to people 
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