Yeah the credit card makes some people wary, but it should. People should be researching what Steem is before diving in expecting to make a ton of money right away.

Steem accounts require 6 Steem or about 27 Steem Power in delegation to be created. Therefore, they carry a real cost and are not free. Hopefully HF20 makes things a bit easier, but there will always be a cost associated with account creation to prevent from having the proliferation of spammers and scammers get created.

So far, conversion rates are fair on the website, and I only just began marketing it. I think users are put to ease by the website and its explanation to proceed with a small purchase (investment).