If you're a shareware author, explain shareware to your banker. If somebody buys a commercial program and doesn't like it, the transaction is likely to result in either a chargeback or a return and refund. With shareware, the customers call you after they've decided that they like the software. So returns from unhappy customers are rare. Shareware can be a trump card with bankers.
Bankers are much more comfortable with companies that sell to businesses rather than to consumers.
Your banker may ask you to set up a secured savings account for several thousand dollars to secure your credit card account. If those aren't accurate answers, be sure to stress your strategic business plans and growth projections. Bankers are more impressed by plans and projections than they are by whims and wishes. Most U.S. banks include MasterCard and VISA in their basic package. American Express, Diners Club and Carte Blanche are usually marketed separately.