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> In Germany, most people don't have a credit card because you don't need one in daily life.

Highly inaccurate.

We don't have typical Credit Cards, but Debit Card acting as Credit Card for online transactions are the norm.



VPAY cards like Postbank or Deutsche Bank (the biggest commercial bank) don't work with GitHub.


Still much less common to have that vs. a Paypal account :(




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