Firstly , credit card transaction felt instant because merchants trust the CC company to honour their part of the deal.Considering the amount of petty larceny and scamming attempt they already facing ,do you expect a chain retailer would trust some anonymous stranger that easily?


Secondly, I don't use CC or even debit card for very small transaction.Paying around 10%( even go to 50% for some of my smallest purchases) transaction fee  to use bitcoin isn't really a selling point.