Should the credit card duopoly be broken?

[Bonum_Legatum]

Here’s an earlier discussion (my blushes):

Should Visa and Mastercard be broken up for being a duo-monopoly?

Forgive my boundless ignorance on this subject, but it seems like there are only two real choices nowadays for bank-issued credit/debit cards - a card with the Visa or Mastercard logo. Have these companies reached the point where they should be broken up to encourage competition - like “baby bells”?