After having my credit card locked by stupid fraud prevention algorithms on my honeymoon, I had a long chat with them before going overseas a second time.

And that was the day Visa had a full on outage. We would walk into one shop, try to buy stuff, get declined, then go into the next and get accepted because they were running in offline mode.

Got a nice big bill from my cellphone carrier for making the call to visa to ask them wtf as well.