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In this Nov. 19, 2009 file picture, stickers on a window show which credit cards are valid in a shop in Frankfurt, central Germany. Just as an American or any number of others wouldn't hesitate to whip out a credit card for a morning coffee on the way to work, a German wouldn't think twice about having to pay cash for a television.

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Tough EU stance? It’s in Germany’s culture

Head to the checkout at an Ikea in Stockholm to pay for your new leather corner sofa and with the swipe of a Visa card it’s yours. Don’t try that in Berlin — that’ll be (euro) 1,699 ($2,080) up front please.

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