John called on behalf of Visa and Mastercard, he said. He needed to speak with the business owner. When I replied why?, he asked if I made the decisions. I told him that I make all kinds of decisions every day. He got agitated (really nasty), and told me that he would go ahead and shut down our business. Than I asked him for his company name and phone number (which by law he is required to give). He give me our phone number, and when I prompted for his company name, he said f@ck you and hung up. Thank you John Han, we appreciate your sneaky approach, and making it sound like you are working for Visa and Mastercard.