Why not forget about the "Visa/Mastercard" and find a book that will allow you to deposit Via Moneygram or e-check for bigger value... The Credit Card industry for online gaming is coming to a slow and painful halt for US players these days through no fault of their own.
I believe there was a recent thread regarding Mastercard processors being slim to none, Visa is probably next on the chopping block!
Reloadables, well the US will crack on those as well.
I'm Canadian and find it hard to deposit to some of my favorite books as well as they too are starting to deny online gaming transactions.
Primary reasons are people charging back, the CC processors just do not want to take the risk anymore like in the beginning.
Bend the standards, chose a B or C rated book if they accept your payments!

They'll most likely pay!