Same here in Germany. A normal credit card is a charge card, so billed every 30 days in full from the giro account. Credit cards that are rolling are rarer but slowly breaking their way through.
I mainly use an Amex charge card that functions like this, don't spend money I don't have, and only don't use a debit card for things because our financial system is very insecure and don't want to give the number out because getting my money back is a lot harder than just calling Amex and reporting the fraud.
