It has features like bid ask spreads, price charts, order books, market orders , limit orders, and stop limits can be overwhelming to take in all at once for new buyers. The time it takes for the bitcoins to arrive in your wallet and be spendable depends on your country and payment method used. The process is very hard but rewarding as the correct guess earns So if the value of the currency you bought goes up over that time, you will have made money. Since most people understand how to shop online using credit and debit cards, it may be easier for less technical buyers to use credit cards to purchase bitcoins.