mmc,sdio: helper function for transfer padding

There are a lot of crappy controllers out there that cannot handle
all the request sizes that the MMC/SD/SDIO specifications require.
In case the card driver can pad the data to overcome the problems,
this commit adds a helper that calculates how much that padding
should be.

A corresponding helper is also added for SDIO, but it can also deal
with all the complexities of splitting up a large transfer efficiently.

Signed-off-by: Pierre Ossman <drzeus@drzeus.cx>