According to this, he's mostly right: https://www.theglobaleconomy.com/rankings/people_with_credit...

It's not about owning credit card, but about being able to use it in physical shop. In one of the parent comments author of comment to which I replied said:

> Why would you expect to be able to use a creditcard in a physical shop in the Netherlands?

And then

> Because this is a thing in most of Europe.