Credit card usage is a small fraction of debit card usage. This is very different to the USA where there are more credit card transactions than debit card ones.
You can have a debit card in your own name when you're under 18, but not a credit card, meaning credit is a proxy for age but debit isn't. It's the same in the UK and the US.
In the UK most people use debit cards instead for most things.
https://www.ukfinance.org.uk/data-and-research/data/card-spe...
Credit card usage is a small fraction of debit card usage. This is very different to the USA where there are more credit card transactions than debit card ones.