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> "Bank specific cards" are actually debit cards.

Yes, but not necessarily MasterCard/Visa debit cards. Germany's Girocard for example is a national debit card scheme that does not use any of the American grifters. Unfortunately, it's being phased out in favor of MC/Visa because the EU fee cap on national schemes is much lower than for MC/Visa and so banks can make more money off of you.

We're just standing by and watch our dependence on American grifter megacompanies larger every day.



I literally do not know anyone without an EMV-based payment method, usually Visa or MasterCard. I have also never used the Girocard my bank provides in addition to the Visa debit- (and in the past actual credit-) card.

I also see more people paying with their phone/smartwatch than any physical card these days.




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