I just like it.
No more going to the hole in the wall, just to get cash to give to take half a block to 7-11 (yes, I know there are other ways to re-charge an Octopus...) I just use the Octopus card anywhere and for everything, and it automatically tops up with HK$250 from my bank account. At this rate, I might even have to learn what it means to "dood"!
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I don't get the big deal of an Octopus cc? There are CustomerService Centers at all MTR stations where I come everyday anyways and I just hand them a HKD 500,- note and they top up the card. Done in 5 seconds!