Doesn't really matter anyway. In a few years credit cards, debit cards, etc. will be useless. Digital will be digital and will encompass everything. No physical anything except your phone to conduct all transactions. And DNotes will be the leader in all of this!! Seriously though, Its coming and getting closer each day, crypto digital transaction as mainstream. The credit card company's will resist for sure and do all the can do to stall it, but with all the fraud, massive hackings etc.. getting out of hand, it makes digital look like a pretty good alternative. ( not to mention the fee's and interest) Definitely time for a new means of doing business differently.
Lets all just hope that this coin... Dnotes, will be a top contender and or at least be pioneering new ideas and applying them in a practical way into real world everyday uses. Needless to say Dnotes is well on its way to doing just that.

Hi, DC. Thanks for your support and confidence in DNotes. The outdated and costly debit and credit card network payment systems will be replaced one day, but not likely to be anytime soon. They have very good reasons not to take Bitcoin as an immediate threat. Bitcoins high volatilities defeat its low cost transaction fees. Because of the high volatilities, factually, Bitcoin is neither a good medium of exchange nor a good store of value as it stands now; two of the most important functions of money.
I am very appreciative and respectful of what Bitcoin has accomplished. As a group Bitcoin has done an amazing job over the last 18 months in terms of getting the word out. Although there has been a great deal of negative and inaccurate reporting Bitcoin has enjoyed very good mainstream media support. It has also attracted robust support from the venture capital community and many start-ups in building a significant ecosystem.
In my opinion, unlike DNotes, Bitcoin is not created with currency stability in mind. To be fair, as the pioneer, it is seldom possible to think through all the different scenarios. At this stage it is not likely that Bitcoin can be repositioned to be a sufficiently stable currency. My expectations are that Bitcoin will be very popular for speculative trading with a high tendency to be manipulated often, but for long term investors it has the potential for significant price appreciation.
It will be a couple more year before DNotes can claim to be the digital currency that meets the full functions of money; namely as a unit of account, as a medium of exchange, and as a store of value. We take them all very seriously and it has been the case since day one. Our commitment is to ensure that we remained highly focus on the biggest prize of all: the preferred digital currency for global commerce. Once we reached that point, the network effect will be massive for DNotes.