You need to use your real name only on your profile of you are a freelancsr.
You need to use your real name only on your payment withdrawal method.
You may use another person's credit card to pay for things, such as buying connects or hiring freelancers, as long as you have that person's permission.
Please know that to set up a payment method, your verified name in Upwork must match the name on your payment account. Please read this help article for more information. I've also shared your concern with the team. One of our agents will reach out and assist you directly via a support ticket.