I live in France and would like to get a credit card that is not linked to my bank account. All the credit cards I've seen here are really debit cards, i.e. you can only use them to spend up to your account balance. This is no good if you want to use the card for short-term borrowing, as I'm used to doing in the UK. I get that the system here is designed to discourage excessive credit but in my view this is not customer-friendly. There must be a company here that issues Visa or Mastercards which are not linked to one's bank account, no?  NB: this is about France, not Switzerland. Many thanks.