It is good for onboarding people to steem ecosystem through steem.ninja. But why only credit card? I can understand through credit card you can represent a true person and identity to this ecosystem. But you must understand that for every country mostly Asian countries it is not that easy for everyone to have a credit card and make an international transaction. You can do the same through Skrill or Neteller and they are also quite close to the standard verification of an individual as not a single person can hold two ids of neteller or skrill and by allowing skrill or neteller you can onboard more people. I am saying this to you what people said to me when I talked about steem.ninja to them. I hope you understand this. Thank you.