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You cannot directly relate a credit card from bitcoin because the two have diiferent concept. In terms of credit card, it is getting an item but you actually dont pay it yet and you have a credit out of it. While in bitcoins, you must have it first before you can purchase online. So you cannot directly relate bitcoin from credit card.
1- You're replying to post from 2015, the guy you're talking to is inactive for over 1.5 year.
2- people tend to use term 'credit card' when referring to any payment cards, including debit cards.
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.
You shouldn't really be comparing credit/debit cards with Bitcoin. Correct comparison is fiat money Vs Bitcoin. Cards are just tools, another method of making payment. They can be "powered" by USD, but also by BTC (see bitcoin debit cards).