No intelligent person will sell you Bitcoins with a credit card because the transaction could be charged back and they wouldn't be able to recover the coins.

If you want to buy bitcoins and you are in the US go to Coinbase.com you can crate an account link it to your bank account and buy some coins very quickly. If you use an exchange like Mtgox or similar it could take weeks to get all the identity verification stuff approved. If you decide you want to day trade later get an account on CampBX, bitstamp.net or similar and use that but to start out Coinbase is the way to go.