[bb88]

A stock of Visa has value but little utility. A Visa credit card maybe has value on the black market.

But the card itself has no value other than said black market. It has loads of utility though.

Maybe you can use it to scrape off the ice on your car windows in a cold winter day... so that would be maybe a nickel?

Further I can call citibank to get a free replacement visa card. So the value of the credit card seems to be close to zero.