It isn't just google and even then you're blaming the wrong entity. This is your credit card company. I'm sure this solves a particular problem for credit card companies by significantly reducing their middle-man involvement between a customer and business in regards to their contracts. However, this should absolutely be an opt-in feature.

Your behavior isn't a bug but it is atypical. Your workaround to an infrequent problem just requires a new step: closing and opening new credit card accounts.