Doesn't matter whether or not you know the card is good. The only thing that matters is that Upwork knows it is. Hence the verification request. You'll need to complete the verification in order to use your card.
Michael is correct. Kindly refer to the help article he linked in his reply for more information about verifying your credit card.
You can add your card for your billing method, and let me know if you will need help with refunding the verification charges on the billing methods you removed and I'll assist you further.
I`m sorry about the inconvenience this had caused you. The $10 charges you`re referring to are refundable and the funds have already been reversed back to your account. It can take 2 to 5 business days for the funds to be loaded on your account.
One of our team members will also reach out to you via ticket as soon as possible and assist you further with your billing method. Thank you.