Countries requiring passports with a validity of at least 3 months beyond the date of intended departure include European Union countries (except the Republic of Ireland and the United Kingdom); Iceland, Liechtenstein, Norway, Switzerland (all with an exception made for EEA and Swiss nationals). Azerbaijan, Bosnia and Herzegovina, Montenegro, Nauru, Moldova, and New Zealand also require 3 months validity beyond the date of the bearer's intended departure.
Corporate, government and foreign credit cards are high risk. They have the highest interchange rates. You may ask why. Simply, if someone from a foreign country buys an item here but refuses to pay for it later, perhaps because of a dispute, it is very difficult, sometimes almost impossible to get that money back. Also, people in corporations and government make purchases that are not authorized by higher management. If they quit or are terminated, these entities will often dispute the charges as unauthorized. This makes these three card types high risk.