This is an interesting discussion (but slightly off-topic!). Here in Germany we have EC cards (equivalent of Switch in UK). There is no limit (other than what you might have in your account) and people frequently use their EC card to purchase new cars with no problem at all. Not exactly a black Amex, but some of the same benefits. Still has to be paid off in full at the end of the month though.

Conversely, the Germans hate owing money in any shape or form, and consequently credit cards are not popular here. Most of the shops in my small town (supermarkets, for example)don't even accept credit cards. I do have a credit card (a Mastercard) from my local bank, but even that balance has to be paid in full every month.

Interesting to see the different approaches to finance