That might be worth talking to Clark Howard over. He might have an idea how to get the ball rollling a lot faster- he's got a lot of pull, especially in the South.

He's kinda like a combo of Andy Griffith show and Ralph Nader.

Generally, I've never needed a credit card for anything offline. At least in this neck of the woods, they tend to prefer cash. Unsure if KY would be any different.