I thought all the banks were going to use ripple
Seriously though, this is not a big deal, there are many credit card companies out there who will take payments. It is going to be their loss as customers decide to switch banks. When they realise how much they have lost, it will probably be reversed as their competitors milk the rewards.
Don't forget Stellar and its Stellar Consensus Protocol, which is based on the Ripple protocol.
Both coins are designed for cheap and particularly rapid worldwide payments.
As I understand Ripple is more for banks and financial institutions, while Stellar is more for small, medium business and individual use.