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Note: If you ask, credit card companies more likely than not will reduce the interest rate charge. Moreover, for balance transfers, you can get interest rates as low as 0.99% for up to 6 months! If you ask, of course. Try it, folks. Don't be shy.
Yes, both MC and V have no credit risk. That would be the banks, of course. But with credit card defaults rising that does translate into less purchases and less credit cards issued to consumers, ergo less processing fees for MC and V. I know that in Canada both MC and V are seeking to offset the decline in processing fees by trying to enter into the debit-card industry. The Canadian government wants none of this.
I apologise for not being too specific.
edit: Almost forgot... ;) With regards to the American debit-card exposure, American savings---if any, seriously---are at an all-time low.
edit2: (Darn, I'm slow. Please excuse... it's past one in the morning here.) Visa has a market cap of $50B+. You're right about the high valuation---in a sucker's rally (my opinion), no less.