Well yeah, most cards in Europe aren't 'credit' who would want that. If you want a credit, take a loan... Or use the store-financed 'free payment plan' for a fridge or a dishwasher...

One thing we have is deferred payment (usually 1 month). And looooooads of credit companies...

Some payment cards here (usually with 'store points') are with 'revolving loans' which is considered quite predatory... Wouldn't want to touch this with a space-elevator-sized pole.