Visa has started telling me to speak with my bank provider for more information on their policies and how it affects my transactions.
So! Y'all know what to do, Start calling your banks and tell them you no longer wish to deal with Visa/Mastercard!
Pretty sure Visa is recording phone numbers now, I have called them several times now. Last few times as soon as they pick up I get "we have already provided you with all the relevant information, we will now be disconnecting the call" and hangs up before I can even speak