I got my first one in 1998, haven't looked back since :P 
There are still people who think that once you get a credit card automatically you are in debt, and that's why they avoid them. The big problem in Bulgaria is that having a CC/Debit does not make your daily life more convenient. 

I have a dream that one day I will see a self service gas station with just POS terminal at the pump and no people to deal with. But I think that in Bulgaria the day this happens, petrol is going to be long gone and gas pumps are collectors item for the mega rich. 
The happy ones would be enjoying long walks on deserted beaches filled with fish bones, human bones, plastic bags, rusty SUVs with big shiny spinning rims which reflect the sunrays breaking through the radioactive clouds.....