The use of debit or credit cards from the gateway payment systems only have the negative vibes of being under a centralized network, which is what most people are now running away from today that make them to adopt the use of bitcoin from a decentralized network, we should also consider that there is more to know about the needs of the people and the services the credit cards organizations offers.
We have no choice other than using the centralised system, even almost 15 years of bitcoin's existence still it's not possible to use it anywhere if we want to. And I don't think credit card will end as long as banks exists and as long as CBDC exists then banks will exist which means as long as CBDC exists the credit card as well as the payment processors will exists.