[KS] No credit card in the Land of the Free? Life must be super difficult. The trick to getting round the first card bck in the mid 80s used to be to apply for American Express, as they would give a card to anyone with a flat credit report. With the Stevieling we started with store charge cards and worked up. What a colossal pain in the rear.

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?

As an aside, I've never understood why UK people prefer to use *debit* cards to credit cards. The issue being spending one's own money over spending the bank's. The whole fraud impact shifts to the individual with debit cards. With a credit card a fraudulent transaction *never* puts one out of pocket. Someone takes your card to Las Vegas, with a debit card you are in the position of arguing to get your money back, as opposed to contesting the spending of the bank's money with a credit card.

[Stevie] On the other hand, when a disute arises, cancelling a direct debit arrangement is easier than cancelling a recurring charge to a credit card. A direct debit is an instruction from me to my bank, that I can revoke at will, without the involvement of the party I am paying. If they think I still owe them money, it's up to them to chase me for it. The same thing on a credit card is an agreement with the person I am paying, and I have to chase them to stop presenting their bills to my card issuer. This caused me some hassle years ago when I was trying to sever my relationship with an ISP that I could see was about to go out of business.

[pen] Do they use debit cards over there, or is it wads of cash only?

I hope it's not tulip bulbs again. That went badly wrong last time.