any hope for Pennsylvania residents to obtain this card? I'm in the credit score and income buckets that chase is looking for, but they closed all branches here a few years ago and no longer offers PA residents the ability to open checking/savings accounts (optimistically, maybe they'll give me a "pass" on the banking requirements ?) . if you live in PA or another no-Chase state, i'd love to hear any experiences you've had with JPMR or Palladium. thanks!