Consider Affirm and Afterpay in the US. This is what I believe the future of short term payment credit looks like when you have instant payment rails. You could even "overspend" your deposit account, with the negative balance being credit, dynamically managed by your deposit account provider's risk management system. The well off can do this with a margin account at their brokerage, but there's no reason this can't be done with your bank or fintech with personal credit. Several big commercial banks even underwrite your credit profile based on your deposit account cashflow vs your credit score (JPMC, for example).
EDIT: Check out https://cred.ai/ for an example of a financial product this might look like, from a quick Google search. No affiliation.
Credit cards aren't going away, but they're also no longer going to be the least worst solution for payments and transfers where assurances are needed. They're antiquated value transfer rails imho (and I'm aware the chief benefit of CCs are the 20-30 day float, longer with interest). In summary, the credit is the product, the rails are the utility, and there are many ways to issue and manage that credit.
