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Author Topic: Bitcoin-Credit Card  (Read 3031 times)
Blawpaw
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November 02, 2015, 07:03:35 PM
 #21

As mobile payments are being introduced for everyday use, I actually think that we will see a strong decrease in people using credit cards. Many Banks already offer other options to be used with smartphones that are much more similar to bitcoin than credit cards. Sooner or later, banks are going to introduce digital currency on these new mobile payment options to cut transaction expenses.
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November 02, 2015, 07:48:17 PM
 #22

there are existing services like coinomat that enable you to load credit cards with value derived from your cryptos into whatever fiat you so choose






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November 19, 2015, 08:52:12 AM
 #23

I am not sure if we need something like bitcoin card currently. Everything seems easy and secure.
Cards will make it unsafe.

First needed in order to have the possibility to buy things out of internet. There are to many things that needed to be bought out of internet or are to many the people which don't feel secure when use their credit cards at internet. For such kind of things needed the bitcoin card. And then why can be unsafe? If the service is build as it is needed from the card provider the bitcoin card can be very safe. My actual credit cards allow me to assign the limit which can be used in internet. If I want to use it in internet change before the limit (increase it in the amount i want or I need), use it and then make the limit again zero. Even if someone has all my data of my credit card can't do nothing with those. Then if my credit card is stolen (and even if the thief can know my pin) I can block my card within minutes by calling the call center of my bank. If the bitcoin card can offer such services I don't see any risk in this kind of cards.
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November 19, 2015, 09:00:39 AM
 #24

I don't think bitcoin credit cards are really nessecary

The way credit cards work is like a loan, you pay it off later, you'll need a company to set this up to be able to loan bitcoins to their clients
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November 19, 2015, 09:16:07 AM
 #25

People are becoming increasingly accustomed to using bank cards. Now, with the increasing penetration of mobile and P2P payment systems, the necessity to use cash is quickly becoming obsolete. 
Which do you think is the relation between bitcoin and credit card? Don't you think the use of credit card works as the same way as bitcoin does?

Using a credit card usually means/involves some sort of loan in a certain currency (usually your country's).


Bitcoin credit card would mean a loan in Bitcoin. And you can spend that either as Bitcoin, either as fiat.
The users will pay back directly Bitcoin, which is interesting.
This could make sense if somebody would take the risk to offer high volumes of such credits. I don't think that we have such big companies that would want to offer such services, especially as I don't see that many potential users. It could be a business for companies that already work with huge amounts of Bitcoin like exchanges or gambling sites, which can use parts of the deposits for new businesses instead of "cold wallets".


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November 19, 2015, 09:22:59 AM
 #26

i mean its money if theres a company that lets you use btc credit you can use it but since its decentralized i dont think a company will use btc as credit or card debit i bellive into atm machines of btc can be done
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November 19, 2015, 09:43:32 AM
 #27

Well, you need a company that holds a bunch of bitcoins, enough to give out loans to people

I doubt that there's anyone/company that holds that many bitcoins to even give out loans

Credit = loans, you eventually have to pay back

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November 19, 2015, 09:55:17 AM
 #28

I don't think bitcoin credit cards are really nessecary

The way credit cards work is like a loan, you pay it off later, you'll need a company to set this up to be able to loan bitcoins to their clients

For what is necessary read the above my post. As for the other things written in your post read below.

What are you talking about? What have to do the loan with the credit card. If i have revenue in bitcoin I can deposit or send the amount of (the needed) bitcoin to the provider of the card the day in which i must pay all the expenses made with my bitcoin credit card. That's all. Everything finish here. I pay my debt to the provider of the bitcoin credit card and the next month begin the same story from the beginning. I can use it again for everything I do or need. It is so simple like one and one make two.
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November 19, 2015, 10:17:42 AM
 #29

Paying with the cards may be somewhat a like

I think I would prefer a debit bitcoin card, it would be easier to buy something that's not online

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November 19, 2015, 10:29:53 AM
 #30

I am not sure if we need something like bitcoin card currently. Everything seems easy and secure.
Cards will make it unsafe.

First needed in order to have the possibility to buy things out of internet. There are to many things that needed to be bought out of internet or are to many the people which don't feel secure when use their credit cards at internet. For such kind of things needed the bitcoin card. And then why can be unsafe? If the service is build as it is needed from the card provider the bitcoin card can be very safe. My actual credit cards allow me to assign the limit which can be used in internet. If I want to use it in internet change before the limit (increase it in the amount i want or I need), use it and then make the limit again zero. Even if someone has all my data of my credit card can't do nothing with those. Then if my credit card is stolen (and even if the thief can know my pin) I can block my card within minutes by calling the call center of my bank. If the bitcoin card can offer such services I don't see any risk in this kind of cards.
Bitcoin is built for the purpose of it being trustless and you won't have to trust the third party.

Currently, Bitcoin debit cards require users to deposit the amount into the service before being able to use it. Be it a card that uses Bitcoin as a payment method or converts to fiat, trust needs to be placed onto the provider. With all the hacking incidents, it is hard to think that anyone can trust an online service.


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November 19, 2015, 11:04:06 AM
 #31

I am not sure if we need something like bitcoin card currently. Everything seems easy and secure.
Cards will make it unsafe.

First needed in order to have the possibility to buy things out of internet. There are to many things that needed to be bought out of internet or are to many the people which don't feel secure when use their credit cards at internet. For such kind of things needed the bitcoin card. And then why can be unsafe? If the service is build as it is needed from the card provider the bitcoin card can be very safe. My actual credit cards allow me to assign the limit which can be used in internet. If I want to use it in internet change before the limit (increase it in the amount i want or I need), use it and then make the limit again zero. Even if someone has all my data of my credit card can't do nothing with those. Then if my credit card is stolen (and even if the thief can know my pin) I can block my card within minutes by calling the call center of my bank. If the bitcoin card can offer such services I don't see any risk in this kind of cards.
Bitcoin is built for the purpose of it being trustless and you won't have to trust the third party.

Currently, Bitcoin debit cards require users to deposit the amount into the service before being able to use it. Be it a card that uses Bitcoin as a payment method or converts to fiat, trust needs to be placed onto the provider. With all the hacking incidents, it is hard to think that anyone can trust an online service.

There is no any other third party in the case of bitcoin CREDIT card. I am not talking about bitcoin debit card (which even those exist, so are a fact, independently what must or can tell you and me about the trust). The bitcoin credit card (must do) work very differently compared to bitcoin debit card. See my previous post to see how work the bitcoin credit card, in which are used the bitcoins and you will see that the only person which have command on the bitcoin used by this credit card is only the owner of the credit card (and the bitcoins). No one other. No any kind of third party.

But even without the above explanation the fact about the existence of bitcoin debit card mean that your word about the trust and the other things are only word. The reality is another. And the reality is over all the parties. You will have reason only the day when in the market there will be no more bitcoin debit card. Until that day, repeat that your's are only words.
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February 03, 2016, 10:07:30 AM
 #32

That's a very good idea till the time we don't see some good and secure way to turn bitcoin into fiat..It will also help bitcoin price to appreciate.

Also if a governing body issues such credit card, it will light the way to use bitcoin legally. Welcoming step.

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February 03, 2016, 10:32:16 AM
 #33

People are becoming increasingly accustomed to using bank cards. Now, with the increasing penetration of mobile and P2P payment systems, the necessity to use cash is quickly becoming obsolete. 
Which do you think is the relation between bitcoin and credit card? Don't you think the use of credit card works as the same way as bitcoin does?

No, they do not work the same way. In order to use bitcoin, you have to own assets. In order to use credit cards, you only aquire debt, so at the moment of purchase you don't have to own anything.
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February 03, 2016, 10:56:25 AM
 #34

People are becoming increasingly accustomed to using bank cards. Now, with the increasing penetration of mobile and P2P payment systems, the necessity to use cash is quickly becoming obsolete. 
Which do you think is the relation between bitcoin and credit card? Don't you think the use of credit card works as the same way as bitcoin does?

No, they do not work the same way. In order to use bitcoin, you have to own assets. In order to use credit cards, you only aquire debt, so at the moment of purchase you don't have to own anything.


If we're talking exclusively about the methods for paying, there are great wallets such as XAPO that offer the possibility to use your bitcoins directly in any store by a phisical debit card.
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February 03, 2016, 12:45:16 PM
 #35

People are becoming increasingly accustomed to using bank cards. Now, with the increasing penetration of mobile and P2P payment systems, the necessity to use cash is quickly becoming obsolete. 
Which do you think is the relation between bitcoin and credit card? Don't you think the use of credit card works as the same way as bitcoin does?
i'd say paying with creditcard is simple indeed, but credit card really vulnerable to be stolen, i just saw some people do carding with stolen credit card and its creepy, bitcoin isn't easy to be stolen if you can manage your security

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February 04, 2016, 05:50:23 AM
 #36

As mobile payments are being introduced for everyday use, I actually think that we will see a strong decrease in people using credit cards. Many Banks already offer other options to be used with smartphones that are much more similar to bitcoin than credit cards. Sooner or later, banks are going to introduce digital currency on these new mobile payment options to cut transaction expenses.


yes bitcoin is  credit card  all people are using bank card  when people need some thing they are using bank  card and  same like which person is know about bitcoin,  he have any time mobile when he need  any thing. he use  bitcoin same like bank card

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February 04, 2016, 06:06:18 AM
 #37

Bitcoin debit card is best for now. Later when user rate increases bitcoin credit card can be implemented. These days I heard that few sites are providing bitcoin cards for their users which can be used in ATM to receive the amount in terms of local currencies only with minimal charges compared to exchanges.

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February 04, 2016, 06:24:22 AM
 #38

I will be prototyping Credit Card. I will need some people that want to test and give feedback about possible product.
I am already offering credit lines so giving credit cards is next logical step.


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February 04, 2016, 06:26:14 AM
 #39

I think that Bitcoin could be done mostly by scanning your phone or something much faster than typical card.  There is a grocery store near me that is allowing this and also quick scan of a card but not debit.  I would like to see us move away from cards as we know it.

I love Bitcoin
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February 04, 2016, 07:00:31 AM
 #40

As mobile payments are being introduced for everyday use, I actually think that we will see a strong decrease in people using credit cards. Many Banks already offer other options to be used with smartphones that are much more similar to bitcoin than credit cards. Sooner or later, banks are going to introduce digital currency on these new mobile payment options to cut transaction expenses.


yes bitcoin is  credit card  all people are using bank card  when people need some thing they are using bank  card and  same like which person is know about bitcoin,  he have any time mobile when he need  any thing. he use  bitcoin same like bank card
what do you mean with "bitcoin is credit card" , bitcoin is very different with credit card  Grin , bitcoin is digital currency and credit card is card which made for payment processor, that's general explanation

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