Buying it using credit card is not a good idea. There is even the possibility of hidden fees on some websites.
I think if you are patient and buy using fiat, you will have a better return on your investment.
Buying with credit card is not a good option as you also need to disclose your identity and give all your personal information, for me the best way is to buy in cash on localbitcoins where I simply deposit cash into traders bank account and upon receipt he transfer bitcoins to my bitcoin wallet address.