Your credit card is approved instantly but it isn't settled until months later. If someone pays you and you find out later it was a fraudulent card, you're out of luck! Bitcoin clears in 10 minutes and then it's irreversible forever. Look up the Lightning Network. With this technology next year bitcoin transactions can be instant. Bitcoin and other cryptocurrencies are valuable to me because it allows me to store money outside of the traditional financial system free from inflationary central banks and other monetary shenanigans. That being said, things are in a mania at the moment so don't invest what you can't afford to lose.