Which way to choose for buying crypto
It’s easy to see that bank transfers are much better, even for first-time buyers. It’s much better to get crypto with your own money, not a credit. You have the choice of how much to order.
The only notable problem is if the bank decides to decline the bank transfer. However, you can have the same problem with credit cards. So, this disadvantage is not so important.
About the payment speed, if you make a local transfer, you can skip the delay. Also, some exchanges accept a copy of your bank transfer document, and they can confirm the order.
It’s a well-known phrase that buying crypto with credit cards is not a good decision. That’s one of the reasons BitIreland to offer only bank transfers (SEPA) which are instant.
However, it’s a personal choice how to proceed, but you have the knowledge base to make the right choice according to your current financial capabilities.