Actually no, the only contact I've ever had with Visa was when I got mugged, and when they denied a 50c itunes purchase I made in my sleep [read some chech IP address and under a generic name], both times they were very helpful, cancelled my card and sent me a new one right away free of charge.

Regarding the apparent way I was acting I have no fucking clue what you're talking about. The bank sent it in the mail, how else would they get it to me. How is this complex or tedious, if I wanted it faster I could have gone down there and picked it up myself.