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In the Netherlands, approximately two percent of payment cards issued were credit cards, reaching a total of over 7.75 million in 2025. Debit cards were found more often in the country, as that year there were around 36.1 million of these cards. The figures provided are estimates based on the data central banks have to supply. Owning a payment card does not immediately indicate it gets used, as there are considerable differences within Europe when it comes to the use of certain payment methods.