The bearish stance taken by a whale with a significant amount of money to spend indicates a potential negative impact on Visa's stock price in the short term. The fact that 75% of the unusual options trades are bearish suggests that there is a strong sentiment among these investors that the stock price will decline. Additionally, the stock price is already down 0.75% at $227.09, and RSI indicators show it as neutral, which means it is not currently overbought or oversold, making it more susceptible to price fluctuations based on market sentiment.