use crysta then? You can pay for it via paypal or amazon pay, and it will cover retainers assuming you buy enough to cover it. Just make sure the crysta is there ahead of time before your sub due date. Addresses don't even have to match when you do it that way.
By the by, its likely not even SE that is making it a wait to July. I'm sure they would LOVE to sort this before DT. It's quite likely Visa making a delay as always.