This is a simple issue to solve if you have all the issuers in line/on the same page. Issuers simply need tabs on this. This means, a) they only allow this for

This is a simple issue to solve if you have all the issuers in line/on the same page. Issuers simply need tabs on this. This means, a) they only allow this for merchants that have had previous transactions. b) They reset this when a card is reused (owner of the number changes). Ultimately you just need a system that turns on stricter checks when reuse-induced issues are likely. Once a card is reused the issuer simply needs to turn off the recurring billing laxness until the card gets close to expiration again, i.e. a few years, which should suffice to detect any sort of problematic patterns. This wouldn't affect the customer at all as any legitimate transaction would have been made with up to date expiry and CVV.