We have done this meet and greet several times and I (the cardholder) have NEVER been in the photo. We send my daughter to the characters by herself. (She tends to interact more if she goes up to the characters on her own.) You (the OP) should have no problems opting out of being in the picture.
Poohbear5, there is a PhotoPass photographer there in the room, so make sure you get out your PhotoPass card when you are getting out your VISA to get into the meet and greet. Any photos taken by the PhotoPass photographer there will show up in your PhotoPass account and will go on your CD if you buy one.
girli565, the VISA meet and greet is every day at Innoventions West in Epcot, from 1:30 pm to 4:30 pm. I always used to get Innoventions West and East mixed up until I found a way to remember which side is which. Innoventions West is the side that's closer to The Land, which houses Soarin', which is set in California, or the *west*. Now that I remember Soarin'-California-West-Innoventions West, I never forget which side to head to in order to get to the VISA meet and greet.
Inside Innoventions West, you head to the side where the fire truck is, take the path past the fire truck, and look along the wall there. You'll see a queue setup there.