I know its a bit late but thanks for your detailed reply! Its really helpful!
As a side note though it seems that coinsbee are no longer stocking Mastercards/ Visas VCCs now
If you're still interested in buying a few, you could ask them here or just email the support:
https://bitcointalk.org/index.php?topic=5182163.260;topicseenI wouldn't be surprised if they're no going to restock it again because and after all, a lot of people are facing problems with these cards.