I have a couple of money center bank credit cards. The closest branch office is 100 miles away. I would tell them to pound sand if I had to make the trip to prove my identity. I’d cancel those cards and increase my local credit union limits and open a regional bank sponsored CC..
It's what I did - but they won't give me my $700 which doesn't belong to them. As soon as I get it, those four store cards will be immediately closed by me.