Actually I would use a trusted virtual card provider that supports google ads also make sure the card and billing details are in your own name and totally match your account.
From my experience i have found ABO testing useful for giving each creative a fair test then I move the winners to CBO for scaling and cut the clear losers.
Nowadays google has stricter rules for health products so you just check your ad and website because even normal creams can get rejected if they make health claims.
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