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January 14, 2008

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So there must be other explanations for why the company that is perhaps the greatest enabler of American (and, increasingly, global) consumption, born in 1958 as BankAmericard and rechristened Visa in 1976, has chosen now of all times to go public. One is that Visa makes its money (a 424 million profit in the last quarter of 2007, up 70% from a year earlier) from transaction fees, not lending, so it doesn't have to worry nearly as much as banks do about people making their credit- card payments. Another is...

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