Scrubbing is one of my pet peeves.
From an affiliate perspective...
When you do x sales a day for so long with the same sources, one can swear sometimes it's like someone just up and hit the scrub button.
This is why I like control over the front end.. Having a similar offer/join that remains in continuity with your pitch just as a text link below.. Labeled "backup processing" with a disclaimer that if for some reason you card gets rejected due to processor error, simply use the backup processor link
Can't tell you how many joins that has saved..and as long as it remains in line with the pitch and matches with the program (like the sponsors could be interchangeable with your original pitch anyway ) your good to go.
Pro tip. Try it out yourself and see if you're joins don't increase overall. That is of coarse your not using boxed creatives from your sponsor.