"I believed that the ICO sold out and that there were about 35k public Investors. Etherscan shows this today:

Total Supply:   2,997,326,447 SVD
Holders:   19367 addresses


Does that mean  > 50% of the tokens were bought with Credit Card and weren't created because of that yet?"

We now that 5M Euro was held in scrutiny from credit cards. Even assuming that they reached the 40M, it is realistic that the bulk of the small buyers payed with cc even though it only represent 1/8 of the total tokens.

That is 50% of the investors but only a small part of the tokens.