I'm just a noob looking for info

Hello guys im pretty new to the crypto sphere and im hoping to maybe pick the brain of some you veterans. I've decided to build a diversified portfolio of crypto and stay away from HYIPs that is until i came across bitconnect. No im not here to promote it i would like to ask you guys opinion on it. Those who think its a scam i would like to know when they release their visa debit card will that change your opinion and if it doesn't why not? Thanks in advance for the info i greatly appreciate it