Open-ended retention periods tied to broad 'business purposes' and legal obligations can mean your data is held indefinitely, limiting the practical effect of deletion rights.
Visa collects extensive personal and transactional data, including purchase history and inferred preferences, and uses it for marketing, analytics, and sharing with financial partners and third parties. Consumers may not realize their payment data is being used for targeted advertising and profiling beyond basic transaction processing. You can opt out of targeted advertising and certain data sharing by visiting Visa's privacy choices page at https://www.visa.com/en-us/legal/privacy-policy.html.