Litecoin is better than credit card systems. Litecoin is money that will stay available even after sanctions or bank freezes hit the country where you live, and this is what gives it a value that credit card systems cannot. I’ve made this point in another topic:
I think that you might not actually understand what Litecoin is. Try using some real Litecoin and you’ll probably get the point of it. Here is an introduction on how to use the Litecoin core client: