Sorry, but you have so much colloquialism going on that I literally have no idea what you are saying or what the underlying problem is. You bought something from the AA shopping site and didn’t get miles or something like that? No sure whether a credit card company will agree to a chargeback for that. What is the SM Charity? And what is the issue around using Visa rather than MC? Maybe you could just explain the whole thing in a less confusing way and advice might be more useful.