gurunanakji777
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April 18, 2022, 05:05:50 PM |
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I don't think it can be eliminated easily because every person does not use cryptos still very less no percentage of people across the world are using cryptos So it depends on the adoption but we can say credit and Debit cards will lose traction in the long run. I feel but not sure most of the countries will launch their own stable cryptocurrencies then we can expect the dealing in cryptos will be higher but I can say in the coming year we will see the inbuilt multi-crypto wallet in smartphones for easy access to your coins.
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justdimin
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April 19, 2022, 01:47:00 PM |
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100% guaranteed. I keep saying that crypto is not against fiat, it is against banking and people need to realize this. I mean you may think that crypto vs fiat is a war that is fought for the past 10 years, but they are just alternatives to each other. Imagine how we have survived so long with Europe having euro now (individual ones before this) and USA has dollars, china has Yuan, Russia has ruble and many many other fiat, we just added one more to that and nothing more and it shouldn't bother fiat at all.
However, we are improving the banking system of it so well that after the DeFi hype last year, I am 100% sure that we are going to do very well in the future for sure and eliminate the need for credit cards.
This is the right approach. Plus, if we were fighting against fiat so much, we wouldn't be building stablecoins and so forth that are mimicking these fiat currencies people think we hate. The reality is the banking and DeFi did allow us to get closer. When people realize this, when people could see that crypto is an alternative to banking and not an alternative to fiat, we will get better. Obviously crypto is a currency and not a payment method, but while being a currency, it brings its own benefits like wallets, payment methods, security and many other things these days along with it, even interest earning as well in staking form. So, it is definitely capable of doing cards as well.
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Nivia1st
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April 26, 2022, 09:44:07 AM |
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The way I see this will turn out in the future is that credit/debit cards will cease to exist as they're replaced by stablecoins and decentralized cryptocurrencies like Bitcoin and Ethereum. Maybe VISA, Mastercard, American Express, and Discover will make stablecoins of their own? If credit/debit cards are eliminated, then we'll be on the right path towards a full-fledged cashless society. Instead of carrying with a physical wallet full of paper money or plastic cards, you would only carry a smartphone with a digital wallet containing the coins of your choice.
if this comes true it would be great. but unfortunately that is not possible, how can a large company with millions of dollars in profits want to be eliminated. they would have prevented all of that. so credit/debit cards will always be there. what will make the difference is how people perceive it. if now they have no choice, but in the future they can choose many choices. they can choose to use crypto such as bitcoin, ethereum and other altcoins, or keep the old way by using a credit/debit card.
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gwapoinside2
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April 26, 2022, 02:33:07 PM |
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Every day, people are getting more used to digital payments with crypto due to the numerous benefits it provides. There are no chargebacks, no middleman, and lower fees. Comparing crypto against traditional credit/debit cards issued by banks, I'd say crypto wins by a long shot. Merchants and businesses are slowly accepting crypto as payment method, so we should see credit/debit cards lose traction in the long run. Even VISA announced that it will be using Blockchain tech for its own benefit. The way I see this will turn out in the future is that credit/debit cards will cease to exist as they're replaced by stablecoins and decentralized cryptocurrencies like Bitcoin and Ethereum. Maybe VISA, Mastercard, American Express, and Discover will make stablecoins of their own? If credit/debit cards are eliminated, then we'll be on the right path towards a full-fledged cashless society. Instead of carrying with a physical wallet full of paper money or plastic cards, you would only carry a smartphone with a digital wallet containing the coins of your choice. What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) I think cryptocurrency will not replace credit or debit cards. Not in the near future. Despite the slow mainstream adoption of cryptocurrencies in many applications, credit/ debit card has a different use case that people will still continue using them. I think both will smoothly co-exist in one way or the other will benefit both platforms. to become relevant to the business, the credit cards will utilize the blockchain to deliver a more secure and scalable service.
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bitkanu
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April 26, 2022, 04:10:09 PM |
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I don't know the reason for crypto to eliminate the debit or credit card while crypto itself being connected to be spent use debit and credit. Some people were also using this methods as a way to cash and put their money into cryptocurrency to add more fiat money in the circulation. Removing the debit and credit cards were totally non sense thing while at the same time it's really helpful for some people to help it to top up their crypto accounts. This is also increase the liquidity in the market too and we do know how popular crypto debit and credit cards these days.
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isaac_clarke22
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April 26, 2022, 04:55:29 PM |
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~
It becomes already as a payment method in basic sense to be honest, since you would need that entity in order to get or afford what you needed to afford. It is indeed an alternative banking, and I am quite shocked that people are thinking that crypto will replace fiat in the future. Remember that crypto, well most of it, are decentralized. Obviously government and crypto is not a good chemistry, even if such legalization was happening.
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Cling18
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May 22, 2022, 12:14:39 PM |
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I don't think the existence and adoption of cryptocurrency will eliminate the usage of credit or debit cards because they have different usage and most individuals as well as some huge companies aren't familiar with cryptocurrency. It will be hard for crypto to replace debit cards which is actually a traditional payment method for most people. Crypto still needs more adoption and consumers also need to consider using it as a payment method first because some are aware but still prefer using banks and other methods because of its risk.
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jrrsparkles
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Eloncoin.org - Mars, here we come!
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May 22, 2022, 12:29:10 PM |
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Banks and any other companies making money with the current Fiat system won't really like to have cryptocurrencies as the main payment mode and also it will be a big loss for them if it eliminates the banking card system because these payment processing companies are making good commission from the millions of transactions all around the world. But people can force them to do, I don't know we actually need those payment processing system if cryptocurrencies are completely adopted by the merchants and people.
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MommyElsa
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May 25, 2022, 11:03:39 PM |
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Every day, people are getting more used to digital payments with crypto due to the numerous benefits it provides. There are no chargebacks, no middleman, and lower fees. Comparing crypto against traditional credit/debit cards issued by banks, I'd say crypto wins by a long shot. Merchants and businesses are slowly accepting crypto as payment method, so we should see credit/debit cards lose traction in the long run. Even VISA announced that it will be using Blockchain tech for its own benefit. The way I see this will turn out in the future is that credit/debit cards will cease to exist as they're replaced by stablecoins and decentralized cryptocurrencies like Bitcoin and Ethereum. Maybe VISA, Mastercard, American Express, and Discover will make stablecoins of their own? If credit/debit cards are eliminated, then we'll be on the right path towards a full-fledged cashless society. Instead of carrying with a physical wallet full of paper money or plastic cards, you would only carry a smartphone with a digital wallet containing the coins of your choice. What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) Well, for me, cryptocurrency is very easy to use. I believe that someday we will be able to transact and pay all our bills via online payments or transactions using cryptocurrency.
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niceli
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May 25, 2022, 11:19:46 PM |
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This is sooooo possible, it is even silly to think that we still do not have it. First of all, debit cards are a thing in the crypto world and should be wildly available everywhere around the world and should be used by all of us. Imagine (and it is real, you do not even have to imagine) you keep all of your money in an exchange, all in bitcoin, and they give you a card for it, then you go out anywhere in the world and spend some money on some shop, your bitcoin is converted automatically to whatever fiat that nation uses and pays the shop owner just like a bank debit card. Isn't that awesome? You never need to use any fiat ever again or never have to hold it.
Credit card would be a bit more tough, but debit cards are out there and yet they are very limited, very very expensive (not even usable levels of expensive for some) and they are unfortunately not available in my nation and plenty of other nations.
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Rigon
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May 25, 2022, 11:28:50 PM |
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I don't think cryptocurrency will eliminate Visa/Mastercard payment methods. It's because they also provide digital solutions though there is a lot of limitations. You won't imagine a world without paper money at least for more hundred years. Even there is no paper money digital fiat will exist for every nation. This means a master or Visa card will exist this way. Rather than you would get the freedom to load your card through cryptocurrency. That would happen only.
Yes, of course.Cryptocurrency will never cancel a MasterCard /Visa card. As the days go by maybe the world will be more updated and everything will be updated.No matter what people say, paper money will never be wasted. The government will never cancel this paper money.It is one of the main sources of income for every country.The dollars we are using all over the world, but they are officially earning.We may enjoy various benefits for cryptocurrency such as loading MasterCard Visa card with cryptocurrency.
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nurilham
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May 25, 2022, 11:48:50 PM |
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What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) The first step of doing this is that cryptocurrency can be accepted as a currency, as the pay method and accepted in most countries worldwide. Without this, this will mean that more things will be hard to do. ANd so far, accepting cryptocurrency as a payment method is still illegal and not accepted in most countries. So, the answer is: this will be very difficult, moreover the term of "eliminating", seems like impossible.
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LUCKMCFLY
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June 04, 2022, 01:47:34 AM |
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What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) The first step of doing this is that cryptocurrency can be accepted as a currency, as the pay method and accepted in most countries worldwide. Without this, this will mean that more things will be hard to do. ANd so far, accepting cryptocurrency as a payment method is still illegal and not accepted in most countries. So, the answer is: this will be very difficult, moreover the term of "eliminating", seems like impossible. Well, in this case, what you say is right, although for El Salvador things may be more different, because with support from the government it is possible that credit cards still exist but that credit cards based on BTC are with much more benefits, and I think that those countries and banks that support something like this could be very successful. The traditional economy is still very booming, since it is clear the control that the governments have as well as the banks, banking has been a total success to maintain people's debts and I think that with the debt they have gained a lot, so it is difficult to undo a business model of many years.
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bestcoins1
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June 04, 2022, 04:37:28 AM |
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The first step of doing this is that cryptocurrency can be accepted as a currency, as the pay method and accepted in most countries worldwide. Without this, this will mean that more things will be hard to do.
Every difficult thing there will always be a way out if all relevant parties are willing to do it happily because cryptocurrencies in general can be used for certain needs and are also used as future investment assets with very good choices even though there are still risks in it. ANd so far, accepting cryptocurrency as a payment method is still illegal and not accepted in most countries. So, the answer is: this will be very difficult, moreover the term of "eliminating", seems like impossible.
Accepting cryptocurrency as a payment method is not legal at this time because each country already has its own rules and currency, so if you want to make a realization of cryptocurrency for payments, then there are several things that need to be changed by the state so that nothing conflicts with the basic rules of the country.
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Canteng123
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June 04, 2022, 07:58:38 AM |
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Bitcoin or altcoins doesn't replace fiat, so it will not eliminate credit and debit cards. Maybe credit and debit cards will be eliminated when CBDC has been widely adopted. To be honest we already can live with cashless society now, you only need a smartphone installed of your mobile banking application or your local e-money. You only need to scan barcode to pay anything, it's cashless.
Alright, thanks for the information, maybe I'll give it a try. 😀
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fuer44
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July 25, 2022, 11:36:02 AM |
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if there is a crypto currency whose value can be as stable as conventional currencies, it can happen considering that crypto transactions are easier and faster. let's say we only need a wallet on a smartphone then just scan the QR code at a store that provides payments using crypto.
but if cryptocurrencies are still as they are today, it seems impossible that people will switch from debit to crypto as a non-cash payment instrument.
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cheezcarls
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July 25, 2022, 12:35:50 PM |
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In my own feeling I don’t think there is a possibility about cryptocurrencies replacing credit or debit cards sooner or later. It will likely exist in generations to come. However, I do agree about crypto as alternative payment in the form of stablecoins if credit or debit card isn’t working, but depends on the merchant though.
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og kush420
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July 25, 2022, 08:57:27 PM |
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In my own feeling I don’t think there is a possibility about cryptocurrencies replacing credit or debit cards sooner or later. It will likely exist in generations to come. However, I do agree about crypto as alternative payment in the form of stablecoins if credit or debit card isn’t working, but depends on the merchant though.
I think this will not happen anytime sooner - at least not in our country. We have a lower literacy rate - not all the people have bank account nor the smartphone or the internet connection. At least not possible in coming 20 years.
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o48o
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July 25, 2022, 10:16:37 PM |
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Every day, people are getting more used to digital payments with crypto due to the numerous benefits it provides. There are no chargebacks, no middleman, and lower fees. Comparing crypto against traditional credit/debit cards issued by banks, I'd say crypto wins by a long shot. Merchants and businesses are slowly accepting crypto as payment method, so we should see credit/debit cards lose traction in the long run. Even VISA announced that it will be using Blockchain tech for its own benefit. The way I see this will turn out in the future is that credit/debit cards will cease to exist as they're replaced by stablecoins and decentralized cryptocurrencies like Bitcoin and Ethereum. Maybe VISA, Mastercard, American Express, and Discover will make stablecoins of their own? If credit/debit cards are eliminated, then we'll be on the right path towards a full-fledged cashless society. Instead of carrying with a physical wallet full of paper money or plastic cards, you would only carry a smartphone with a digital wallet containing the coins of your choice. What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) Most merchants that "accept crypto" are using third party payment methods and are receiving converted fiat instead. I totally understand this as taxation with crypto payments is confusing and you probably end up paying way more taxes from them. I don't see credit cards going anywhere, but technically there could be new blockchain system replacing current system but there are no such blockchains yet that follow regulatory rules.
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og kush420
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July 28, 2022, 07:27:51 PM |
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I don't see credit cards going anywhere, but technically there could be new blockchain system replacing current system but there are no such blockchains yet that follow regulatory rules.
Me too - this is not going to happen any time sooner. Maybe in coming days when we are dead and new generation takes over. This takes a lot of technology and literacy and smart mind to deal with it. Which is at least not possible in our time.
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