How you could comment direct answer from MyChoice that they allow to have unlimited cards per program?
Here:
https://www.mychoicecorporate.com/en/faq/#7

Since the WaveCrest and MyChoice are used almost for all companies that provide cards for bitcoin withdrawal to fiat and many users have few cards from different providers at same time it even can't be limit of MyChoice.

So I would agree that Spectrocoin is scam here.