Annual number of credit card transactions in Croatia 2013-2023, per capita
credit card transactions per capita in Bulgaria, for example, declined during this time - presumably as consumers did not want to build up credit card debt during COVID-19 lockdown. Consequently, the use of cash in Croatia declined - although estimates state coins and banknotes still made up more than half of all POS transactions.
Credit card payments in Croatia grew by 200,000 transactions in 2020, although per capita use was still below one. Nevertheless, the increasing use of credit cards in the country is in stark contrast to developments elsewhere. The