the rules that govern credit cards are the exact opposite of bitcoins,
1. no decentralization credit cards are tied to a bank or financial institution whist bitcoins uses no intermediary at all
2. bitcoins are anonymous whist credit cards transactions are completely traceable.
3. international payments are subject to approval by these banks and financial institutions whilst those done with bitcoin are not
these are just a few of those features that make bitcoins and credit cards vastly different, its clear however that bitcoins would be the winner or will be the winner when the playing field becomes level.