<human>: Question: Are these countries more *cash culture* like Germany, or more *credit card culture* like France (and Canada and USA)?

I've found that some countries had much more of a credit card culture and some have a cash culture.

Background: I'm from Canada. Last year I travelled through northern France, Belgium, Netherlands, and northern Germany.  I took some Euros but planned to use my credit card whenever I could.  This worked well until I got to Germany, where, other than big purchases (hotels, gasoline/petrol), most places wouldn't let me pay with anything other than cash unless I spent over X amount (10 euros or whatever).  This meant that I had to use cash at many cafés for quick lunches, admission to many sites, etc.  So I ended up burning through more cash than I'd planned and had to get more from an ATM.

Plans: This summer, I'm going to Switzerland, southern Germany, Austria, and northern Italy.  I want to be prepared.

Give me a shortened version of the text
<bot>: In Austra, Switzerland, and Italy, can I use credit cards almost everywhere (except street vendors), like in France, Canada, USA?  Or are they like Germany so I'll need to bring more cash?