Dear newbe, this is my experience:
all I can suggest you is to pay attention when buy crypto trough fiat transfer. Probably i'm victim of a scam from one of known exchange, CEX.IO, with a transfer trough the SEPA system (that is the most secure) as you can see here for details
https://bitcointalk.org/index.php?topic=3257211.0They also accept cards, I don't know what can happen with a transfer trough a credit card if they normal behaviour consist in uncharge of fiat money on your account balance (or uncharge of crypto) after transfer and never reply to your support request.
Search and search again only exchange with positive feedback. Cex.io can do bad surprise to you.
Again after weeks they are not activated to support me in this issue after calling their bank, write negative experience on forums and opening support ticket with same argument nothing happens. Seems that at CEX.IO care only money. A serious exchange pay attention at their public image. But this exchange don't have a minimum of modesty and customers are nothing that thing like bancomat.
Other exchange like Kraken, even if they are slow, they follow their customers and constantly give information if something happens. Without leaving their customers in oblivion thinking of a scam like CEX.IO do.