>>as soon as I get my creditcard
>
>It seems that credit cards aren't very common in Europe. Even university students (sometime even high school students) have them here.

I've lived 28 years without them. I'm beginning to realize that I only need it because I occasionally want to pay via the internet. I can't see any other purpose for it.

Here in Europe we generally use a banking pass with pincode. I use this for almost every banking-transaction.

Walter,