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This is just a *crazy* theory keep in mind. No real data to back it up unless we spoke to Visa themselves I suppose.
Since Christmas is here and the economy isn't doing the greatest, could it be that people are overspending on their cc's and thus the amount of denials? I know allot of people already broke just from Xmas shopping. However, if CCBILL/Epoch isn't seeing anything strange accross the board, that is weird as well. If denials are really higher, why isn't the processors just saying that, at least.
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