Hi Japinder...this is the Solution.
1. Go to your Profile image top right, click on SETTINGS
2. Then click on Billing Methods on the Left.
3. Scroll down, go to your Primary Credit card... click on 3 dots (...) select EDIT
4. Then in your address look for any characters that ARE NOT allowed on Upwork
for example in City...I put St.Paul.,.. Upwork does not allow periods, so I put
Saint Paul and it worked! **Just make sure to check you don't have characters
that are not english,etc, can't remember exactly which ones aren't allowed.
Hope this helps.