Those bitcoin credit cards might be in trouble on any quick drop in teh price of BTC. Bitpay basically "daytrades" teh price of BTC when they "assure" retailers they will be paid in cash for goods purchased using a Bitpay card. The ownership of the actual bitcoin is in the hands of Bitpay. it doesn't take a genius to understand how Bitpay might be "forced" to curtail activities if they are loaded in BTC and it drops 20% on consecutive days. The Bitpay "fantasy" is still in "beta" stage...just like steemit. :-)