To be honest, it’s interesting question. IS it can be if a credit card is connected to some person and connected to a bank system? Compared to DEXes and swap/instant exchanges

Its should be standard that all credit cards should generate virtual card numbers via an app for online purchases. It shocked me recently that I had funds taken from a card that I never used online. Problem with using monero is the receiver needs to out themselves as a monero sympathizer ;)