Visa and Mastercard only handle payment networks and third parties handle issuing and administering the cards. So its not Visa's fault, as they don't issue thei

Visa and Mastercard only handle payment networks and third parties handle issuing and administering the cards. So its not Visa's fault, as they don't issue their own credit cards. It's the bank that issued the card's fault. Contrast this with American Express and Discover who both issue their own cards and handle the payment network. There's also third parties that issue AMEX cards (any maybe Discover, but I don't know of any) So in other words, don't blame Visa, blame the bank.