If my mortgage or student loan lender says they will no longer take payments from X bank or vendor, or become unable to, I adjust my bank/vendor. I don’t complain to the lender about it, and they absolutely won’t make a single concession to me over it.Personally, I don't have a reason to carry 10 different methods of payment. I've been using my bank account debit cards for 20 years and I've never had a situation where I can't use it. Until now.
It sounds as though you are referring to a variety of prepaid debit/credit cards purchased from a store, which theoretically would work as payment but I haven't tried it myself. I do know that generally speaking, those can have issues with anything that requires a matching address or zip code on your account. I don't know if XIV's system is that particular.
I don't think it's unreasonable for a person to expect a Visa Debit card associated with their bank account to properly function as payment.
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