Wouldn't that basically be a debit card? There have been attempts at it, I don't know if there's actually been a bank willing to step up.

yes too much risk involve in this

theoretically how it would work is a contract drawn up that someone puts X BTC into a wallet for 'a customer' with the stipulation that it is credit (a short term loan) with all the waffle about repayment terms and interest at the end of the month.

and the 'customer' then repays the credit providor with whatever the total balance is at the end of the month (credit card bill)..

BTCJam have already got short term loan structure in place so its not a big thing to do. but actually grabbing hold of the 'customer' and slapping him with a wet fish for not repaying, is much harder and more costly when it comes to international markets such as bitcoin, which brings with it more risk to the creditor (investor) and more freedom for the 'customer' to just leg it.

unless you have a list of debt collection agencies across the world to sell the debt to, allowing them to chase to non-payers.

i think he means if u don't have a bitcoin to your name, but you might do next month, the same way people don't get paid their salary's untill the end of the month, thus throwing it all on a credit card.. that's where a bitcoin credit card 'could' be useful.

I think there's already something kind of functionally useful. They give out BTC "loans"
It's called Coinlenders I think...Yeah. www.coinlenders.com

lol "bitcoin" and "credit" in the same line.

You're just talking about a debit card denominated in BTC. But hard to see what the point is really. The only advantage might be the ability to make purchases in bricks-and-mortar shops without the need for the vendor to wait for confirmation.  But I think version 9 of the client will allow for zero-confirmation purchases by doing a double-spend check. So even that advantage is likely to disappear.

It's a pretty picture, but there's no technichal structure to this at all.

 You can order this cards here: https://bt.irlbtc.com/view/282841.msg3025018#msg3025018