IMHO, Visa is the frauder's best defense if the client does not want to pay a bill. I am not arguing for the honor of either party. That is the way banks always work. If one of my customers bounces a check they charge me all the law allows, so I have nothing above that to charge the customer. If they paid the smallest ones first they wouldn't be able to steal as much of my money.
Banks love credit cards.
The interest is high, they can change it at will with no recourse on the part of the customer unless he stops using the card. If the customer complains about a service or product, they just snatch the money back from merchant, who has no leverage. I cut them off and explained why. Of course they disputed the credit card charge and got their money back. No, if the cardholder wasn't going to pay, they know where it is easiest to get the money from.