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Credit cards per capita in Croatia increased to reach a value of roughly 0.15 cards per person in 2023. On the other hand, debit cards were found more often in the country, as debit card penetration reached nearly two per capita that year. The numbers provided are estimates, based on the figures central banks have to supply. There are large differences within Europe when it comes to the use of certain payment methods, so owning a payment card does not automatically mean it gets used.