It depends on your offers but it could work. I had a personal facebook ad account banned and i created a business manager from the same profile and ended up making 5 ad accounts with that business manager.
I have used the same CC for multiple accounts without any issues, but not at the same time. For example I set up a PayPal with a CC, and connect it to an ad account. If the ad account gets banned, i remove the CC from the PayPal account and make a new Paypal and add the same CC and connect it to...
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