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RE: STEEM CREDIT CARD
SpectroCoin accepted also Steem here https://goo.gl/MVDC9q
You have the choice between virtual card and plastic card.
Virtual card is free Plastic cost 8 €
Tutorial here
https://steemit.com/deutsch/@achim86/get-a-free-virtual-bitcoin-debit-card
https://steemit.com/howto/@achim86/how-to-deposit-steem-on-spectrocoin
I looked into them as well during my unbanking experiment and they are also not available to people in the US.