Taking any information beyond the card number, its expiration date, and the security code on the back is optional.
It can be used in the verification process but it doesn't need to be. Basically, taking more info makes it more annoying for the user (have to type more info in, give up more personal information), but helps reduce credit card fraud for us, J-Novel Club. Every bank/credit card issuing company can have their own standards and systems about which charges to approve/disapprove. However this is the first time I've heard of one that actually required an address?
I have heard of ones that will block any internet transactions by default for brand new cards or cards issued to students, etc.
So in any case, we don't take that extra info because we don't need it to sell you what we are offering, and in 99% of cases it doesn't affect anyone's credit card processing. I'm not sure about the specific card you are attempting to use, but that's really up to the policies of your bank.