Hmmm. Credit cards are hardly a Thing in the Netherlands. I don't think I have used mine here for more than a year - although I do use it to order flowers and stuff for my mum over the phone with businesses in the UK.
Keys on the other hand are deffo a thing. I am proud to announce that I have been allowed to put the keys to the windy miller's windmill on my keyring - after 12 years here.

[penelope] So how does one hire a Dutch car without a credit card?

(Stevie) Halve the cost by going Dutch.

[Stevie] Companies expecting furriners as customers will accept them, but in general supermarkets don't.

But how do you hire a car without a credit card? The first thing Avis/Hertz/Budget/Whothehellknows want to do when you start signing paperwork is a valid credit card. If credit cards are "hardly a thing" what replaces that process?