In which Germany do you live? Mostly every every grown up I know has got one especially since for some time now your normal banking card is actually a Visa. There are a lot of places now, where you cannot pay with cash anymore (and others that only accept cash, though). Renting a car or booking a hotel room without a credit card is nearly impossible. So, if you not happen to be very poor, very young or very, very old and you have a banking account, it is very likely you have a credit card or other means of online payment.
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