@ratsima, is it possible that because you first started the process from an overseas IP address that the system still thinks you are overseas even when you used a VPN later? I cannot think of a way to overcome that, except to start over from the beginning all through the VPN. Maybe even create a new AppleID through that VPN connection and then applying for the card.

I don't know why you want one in the first place if it's not yet accepted where you are, but if you are determined, that might work.