[problems]

It almost certainly never will replace your credit card. But there are other things it can replace or create. Like paying in cash for less-than-legal products or confirming, beyond a shadow of a doubt that you're not using a stolen card as a transaction can't be revoked or even as something comparable to gold as a store of value (which seems like a terrible idea as of now, but is a possible future use case). It may also provide a distributed, trustless or near-trustless way to control equity in some things, but that's yet to be proven in my opinion.

For just about everything else, cryptocurrencies are crap, just a worse version of something that already exists. They're not a panacea, you can't throw a blockchain at everything and make it better.