It could be a sign of trouble for Visa. People are just not using credit card anymore to buy stuff. Or it could be that too many people have used their credit cards to buy stuff and can't pay back and now they need people with money to join the system to help with liquidity.
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nah. everyone uses credit cards as we get a free month of credit in exchange for transaction fees that the merchants pay.
Good to know you have financial sense.
If I'm truly honest I'd rather go cryptos after cash and skip Visa and Paypal altogether! GO BITCOIN!! :)