Is there a safe and reliable way of buying bitcoin using an US credit card for someone living in the US without going though an exchange (Coinbase, Gemini, etc) ?

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Is there a safe and reliable way of buying bitcoin using an US credit card for someone living in the US without going though an exchange (Coinbase, Gemini, etc) ?

Is it an immediate transaction? Do they charge a big fee to do that? Has anyone done that?

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