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When people say europeans don't use credit cards they might not think of that most people here use debit cards instead connected to their bankaccounts. In my country i know that atleast 80-90% of the youth 18yrs+ have a debitcard atleast visa,mastercard . Not that many use creditcard it's not so much in our culture to spend money on credit for small purchases. Atleast what i've seen.
So if you want to know if european people use creditcards on the net. Sure for many years now and everyone knows english atleast if it's in the younger generation 18-35yrs.
I don't even know people using modems today so dailers i doubt work. SMS Billing would work better today.
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