1st of all Visa has nothing to do with tightening credit card limits or increasing rates. Visa does not issue credit, take the Visa card out of you wallet & look at it, you will see the bank that issues the credit; it may be Citi or Bac or what ever. The bank takes the credit risks & therefore they charge interest to make money from that risk; as far as Visa, they make money from the transaction fee’s & they get a % cut of the $ amount of the transaction. The more you swipe the more they make. Also don’t forget about debit cards, they get transaction fees from that also. Visa is purely a play on going away from paying in cash or checks to paying with plastic.