If there is some method where I can utilize my credit card but ultimately the seller gets the money without fear of chargebacks I am open to it. Located in NY metro area
There are a lot of BTC sellers in the NY metro area so as has been suggested above:
1) Take out a cash advance on your credit card
2) Find a seller at
https://localbitcoins.com3) Meet the seller at a coffee shop or other public place with free wifi
4) Purchase your Bitcoins