Yes, in some of my guides I mention these visa "services" (if I can call them services), but I will never recommend them to be used. That means going back to fiat and that is NOT an option anymore. Always try to use direct payment in btc to the merchant and in this way force them to keep them or use them in a Bitcoin circular economy, not going back to fiat. Those VISA cards is literally sustaining the fiat economy and not pushuing the merchant to take directly BTC, but keeping them into visa shitworld.