That's not really true. Especially in the more touristy places, credit cards are generally accepted and it'd be unusual for it not to be. If you're out in a village in, I dunno, Brabant, then sure. But the places that visitors are likely to be I'd expect cards to work.
I think even AH accepts credit cards these days, though I haven't tried it myself.
I think even AH accepts credit cards these days, though I haven't tried it myself.