About credit cards - you can use them everywhere (Western and Central Europe) for fuel purchases. For food and shelter, if you go high end, sure, everyone takes them, as you work towards the more economical offerings on the scale (simple restaurants, hostels, Gite), plan on paying cash.
Be sure you have a PIN for your credit card. In many countries, such as Switzerland, this is now essential to use the credit card for fuel purchases. Try out the PIN at home to make sure it works OK before you leave (for example, make a small cash withdrawal at a bank machine).
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