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.
With the current amount of series right now I just buy Rokujouma every month and occasionally buy books from Grimgar, Arifureta, and Realist Hero which I finally caught up to the latest release of both Arifureta and Realist Hero. Next time I buy in bulk it would only be Rokujouma and Grimgar unless there's an update for the other 2. I'm also thinking on buying Paladin but I'll have to wait until JNC starts updating again on January.
Even if the only bonus contents are just textless illustrations it's still okay with me because they're DRM-Free. I just don't like using the e-Readers that are required by DRMed e-Books and also the format of how the text and images looked like in the e-Book itself so I prefer just extracting the text and images and creating one myself and using my own preferred reader to read them. It's something I bought with my own money so I should have the freedom to use it however I want rather than being restricted to read them only on certain apps with their not so good format.
I have read through most topics here which are accessible for non-members. A lot of issues and wishes and suggestions for the app/website mentioned are old and repeated a bunch of times. Would a new topic help?