In my experience, IP does not an issue, i had always use RDP IP, but why IP is not an issues?
The Gmail accounts needed to be strong, like OLD, and should regular using gmail.
I was doing, First i'm create gmail accounts and sign up for google ads, and leave the gmail for 1 month, after one month, i login gmail with adwords, adding billing with bank or card, and it was working.
Maybe now it will too, I have a plan to make a course about how to use google ads with churn burn method and bing ads, or other service too.
Card. (not affiliated)
I was using Bunq Card
Namso Gen for generated card
Vanilla Card with Paypal (AU Account)
Bank List (not affiliated)
GoBank
Go2Bank
Payoneer Bank
and Meta Bank
That's it.