> The difference is after that 10 minutes, the transaction is settled. The money has moved. What you have with a credit card in 10 minutes is a promise that the money will move, possibly days or even weeks later.
In a spherical-cow sense bitcoin is better. In practice, if I'm paying with amex I tap my card on the reader and the waitress hands me the cup of coffee in seconds; if I'm paying with bitcoin I'm standing there for half an hour.
> The bitcoin can be moved again (spent by the receiver) after 10 minutes. Try that with money you received by a credit card payment.
If a friend's sending me money it's by "faster payment"; theoretically it can take up to 2 hours (similar to bitcoin's max times), in practice it's a couple of minutes. My bank's happy for me to "spend it instantly" in terms of not charging me an overdraft fee (in fact I can spend it before I get it, as long as I put the money in by the end of the day), so I have GBP1500 (let's call it $2500) of float.
There are edge cases where this doesn't work - more than $2500, or paying internationally over the internet. But they really are edge cases; the problems bitcoin solves are problems I've never had, and I suspect that's true for the vast majority of "normal people".