I don't think you understand the importance of BTC being decentralised and trust less. Long story short, if you trust banks/credit card companies/financial institutions more than you trust yourself, then yes, the main benefit for you would be low tx fees.
If you use a credit card to make a purchase
the bank is trusting you with their money, not the other way around. You don't need to trust the bank in any way by paying via a credit card as you have the ability to make your payment in cash, and if they say you owe more then you really do then you can not pay the bill.
What money?? The one they've created out of thin air, but are secured against your income/assets, often with changeable %rates?
Are you saying that it's better to take a loan to buy something than use the funds you own (since it's "trust less" and bank take all the risk)?