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(11-27-2016, 01:38 PM)CaptainM09 Wrote: have ATMs to get money from your bal to the card

By ATMs I'm guessing you're suggesting having a specific location(s) that you have to go in game to "move" money around. This would be frustrating having to go somewhere every time you wanted to deposit/withdraw (especially if you only have one or few set-homes and can't fly). Even if there was one central ATM like /warp atm it would be a pain.

What you're suggesting is not a "Credit Card" but instead technically a debit card (prepaid card). The system we have already mirrors this pretty closely. An actual credit card would enable players to borrow money they may not actually have and pay it back later. 

Since there is no dedicated physical currency in game (not including valuable items here) there is really no need for banks, atms, or cards. You have access to all of your money all of the time. 

If you want something similar to cash you could buy diamonds (or any other item that will remain similar in price) with your moeny and always 'liquidize' that asset back to cash since there are shops.