Several months ago, I used a service called Indacoin which allows you to buy bitcoins using a credit/debit card. Price-wise, they were similar to LocalBitcoins so I've stuck to buying from trusted sellers on LocalBitcoins since then:
http://indacoin.com/changeThe process was fairly easy. You register an account and input your card details. Then they send you a verification code directly to your bank account, which, once entered on their site, results in the bitcoins being deposited into your account. The whole process took me a couple of hours.
The reason why such services have higher fees is because credit/debit cards support chargebacks while Bitcoin doesn't. Because of this, someone could offer to buy bitcoins using a credit/debit card and then once they got the coins, they could initiate a chargeback which would leave the seller out of pocket. In order to still make a profit, the seller adjusts their fees to take this risk into account. Hence the reason why services that do offer it as an option tend to implement strict maximum purchase limits and require proof of ID.
And ID's can be faked by "bad people" so the limits are important and past. The more you deal with a company chances are higher they let you use.
I highly suggest if anyone does use credit cards on one of these sites look into virtual credit cards, some companies credit cards do it for free. With a virtual credit card you have a legit credit card that is not your main card. And also can limit time or money value. So if somehow it is taken on info you have much smaller issue on your hands.
I still highly suggest using other ways then credit cards. I hate to waste a decent percent that you could have used to buy a little more coins with.
