Basically AXP missed the street's target and there is fear that Visa will also miss the mark. However as we all know the two credit card companies function in a different way; that is Visa does not carry the consumer debt but simply acts as a safety net between bank, consumer, and retail entity whereas American Express actually is liable for the consumer's debt. With that said, also remember that axp is the card of choice for dinning out which obviously has been hurting lately whereas Visa is aimed at credit purchases in retail and such. An over simplification on my part but Visa 101 is worth researching. Since its inception at $44/share which began its initial trading at roughly $60 just two years ago, Visa is a stable long term company with presence around the world. Whether it is $95 or $105 come earnings report early February is not something a career holder should be so concerned about. I hold an optimistic view of Visa as well as MA for the future. Thanks for reading.