Such questions and statements discourage me. Credit cards are a product of the traditional banking system, while bitcoin is something from an alternative (financial) system. Therefore, people's desire to see a combined product of these two opposite systems is similar to attempts to combine opposite elements, such as fire and water, earth and air.

I understand such people, because they want to get the benefits of both, combining them together, but this is almost impossible. If cryptocurrency credit cards are ever produced, then they will certainly not be bitcoin credit cards, but CBDC cards. Although I believe that this stage with rudimentary physical cards will be skipped in favor of virtual ones in mobile applications.

If we assume that there will be (there have been some attempts at this) an bitcoin credit card without linking a bank account, then these cards will not be accepted by payment services, because all these services are tied to the traditional financial system, that is, banks.