I understand now.  Here we call those VISA/mastercard issued bank cards "Debit" cards.  Since they can be used anywhere where VISA/Mastercard credit-cards are accepted and they will withdraw directly from your bank as oppose to an actual credit-card.  

The problem I read up on this is that most merchants that sell mining hardware cannot offer credit-cards as transaction choices since credit-card companies refuse to accept transactions that involved anything to do with cryptocurrencies including hardware that help distribute it  

They've drawn the line in the sand as they clearly see cryptocurrency as something that make them become extinct.