Germans are typically not a good market for credit cards because they have a strong dislike for debt. Their dislike for debt is so engrained that they use the same word for debt and for guilt. In other countries, the number of credit cards a person has is a sign of their success. A study of what meanings nations assign to credit cards would be called:

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The study of meanings assigned to credit cards by different nations would fall under the field of semiotics, which is the study of symbols and signs and their meanings in different cultural contexts. Symbolic linguistics primarily deals with the way language is used symbolically, while cross-cultural analysis is a broader field that examines cultural differences and similarities across different societies. Symbiotics is not a recognized field of study.

Germans Are Typically Not a Good Market for Credit Cards