<prompt> Human: So, looking over this sub-reddit and other platforms, I noticed that people from the states really seem to like using credit cards for some reason. For context: I live in europe and here mostly really wealthy people use credit cards to pay their 500-dollar dinner bills or stuff like that. Most private individuals that I know either dont have a credit card or dont use it that often. If we want to use cashless payment instead we use cards issued by our banks that substract the money directly from our accounts, which means we dont actually borrow any money as with the credit card. Can some explain to me what differences in the financial systems andor cultural perception of credit cards causes these different behaviours?  <response>: Responsible people in the US dont view credit cards as taking a loan at all, since they will be paying the balance off at the end of the month. Its just like paying any other monthly bill.As others have stated, credit cards offer so many benefits over debit cards that it really doesnt make sense for a responsible person not to use them. 