They do, but people also do a lot of bank transfers. Which is essentially a cash payment. But if you don't have a local bank account and app, or the Wise app, then credit cards work just fine most places.

Albania is the only place I've seen that has zero trust in anything but cash, but that's because their socialist era was so restrictive that after that regime fell, people were wholly unable to understand how basic things like banks or economics works. A single pyramid scheme basically crashed the government in 1996-97. It's a fascinating story about how much learning a society has to do to change from an oppressive regime to something else.

In the Netherlands we have iDeal, which will be turned into an European standard soon

The EU caps interchange fees iirc so its not as profitable for VISA. We did the same for debit cards in the USA which is why credit cards became even more pushed