Fucking Visa/MC needs to grow some balls and have RULES instead of supplicating to every stupid unjust demand from the broke ass consumers in america.
Don't you think whatever Visa/MC/whoever is doing is what they have decided is best for their business? A business does whatever it's management/ownership thinks is best for it. If that doesn't fit in to your plan then, unless you have a way to get them to change for your convenience, your only option is to work around the limitation.