I don’t use autocomplete, but a large number of sites feel the need to reinvent how a credit card form should be displayed. I do not care for your innovation. Put it in the same layout as the physical card. Plus the large number of sites that have broken tabbing (does not work or seemingly jumps to fields at random).

Then you'll have to memorize a lot of long numbers.

I used to have my CC numbers memorized, until over time they were all replaced due to fraudulent charges.

You know they print them right on the card right? How hard is it to punch in 20 characters and a name and billing address? Talk about first world problems.

"disable it"

No