There could be many reasons why a withdrawal might be rejected. If the company suspects fraud or gaming on player's part, then they may reject a withdrawal until it unless the case is investigated carefully.
Cryptocurrency payment method tends to be quite straightforward way of making and depositing payments. It is also useful method when it comes to withdrawal and this is one of the main reasons why many poker sites accept it as a payment method.
I do not own a credit card. I do not like interest money and this is why I tend to avoid credit cards. I also think that using credit cards could be quite addictive. You tend to purchase products on credit and you have to pay later.
I think that you should try Coinomi. I have used Coinomi in the past and it is a god wallet. It does not require you to verify your account or send any kind of photo ID.
I am quite sure that many people would be reluctant to use their bank cards when it comes to withdrawing money. I think that cryptocurrency offers a better and safer way to deposit and withdraw money.
This has also been a concern for me as well. There are various websites that require you to verify your account before you withdraw. They should state that clearly in their terms and conditions page. I think that withdrawal process should start before a person deposits money into accounts.