I find this so strange, I am in NJ - You are actually closer to a brick & mortar branch than me. I do not understand how a "trade area" is determined? Can someone please explain?
They view their credit card and interest rates as an incentive to generate brick and mortar business. So they only want locations that facilitate this.
They simply do not want to extend business to specific geographic or economic areas. There are entire Zip codes in Ohio that banks will not finance home loans on
They have some statute or agreement that limits their business area.
Are you living in the Continental US?
This is called redlining at it is an illegal practice. If they do deny your application for such a loan I sure hope that isn't the proffered reason.
I just noticed their secured card has a list of states. I guess this applies to the rest of their cards as well?