Ah, yes, if you go home the next day.. good point.

For values of "going bad" approaching "losing 2-4% of its value." The horror.

Well yes, but you have to go to a bank and exchange it, and they do their best to charge more - the last time I asked about selling €50, the bank wanted a $5 fee...

Anyway, it seems reasonable to me that people might want to avoid that when they have a perfectly good Mastercard which has always worked in the past.

So what's the percentage where it's acceptable to be truly annoyed at Visa?

13.7%.

I was responding to the "going bad" claim.