So, some poor Indian or Brazilian customer goes into Lloyds in Knightsbridge with his Visa card and gets told he can't use his card! Seems to make a mockery of the system to me -- how is a merchant supposed to know a Visa card is only for use in a particular country, without swiping it and then waiting for the refusal to come through? If you ask me, the people at Visa need a thumping great kick up the derriere. This is supposed to be a product with worldwide acceptance. I have been caught in France in the past, now in Russia, where next.... ??