If Litecoin holders were trading inside of Ripple instead of on centralized exchanges, they would gain the ability to make purchases with their Litecoin at any merchant that accepts Visa (web or brick and mortar stores). There are roughly five Ripple debit card initiatives and the best of them convert your chosen assets at the instant of purchase, so you can trade and hold at your leisure, but spend instantly as well (Shift Payments, SmartyCash, xapo, eSpend and tide payments).

Don't look at Hashcoin's CC integration with envy. Keep your value in Litecoin, but reap the benefits of Ripple's ability to federate payment systems.