Credit cards are not that wide spread in many parts of Europe opposed to the US. I guess it's more like PayPal with the possibility to pay later. But yes, I also use my debit/credit card for online payment, which is a step more as I have to enter many numbers for that.

Layaway without the wait

Credit card with no rewards and more predatory payment scheme

Credit card with no interest or very very low interest.

It's like lay-away for people old enough to remember that, except you get the product immediately instead of later.