OP, there are many different parameters Adwords' checks when reviewing your account. Since your question pertains to billing, I'll address that. Many traffic platforms block VCCs based on BINs (first 4-6 digits of a card). Also, CCs that don't have a positive AVS match are flagged. AVS = Address Verification System and it provides Adwords with various response codes based on an exact match, partial match or no match. From my experience, names are NOT needed to match to qualify for a positive response code, although some CC companies have an additional response code if everything else matches but the name.
To qualify for a positive AVS match you need the numeric portion of your street address to match what's on the CC and you also need the billing zip code to match. You'll need to make sure that your CC's address and the address you input into the account are in your IP's geo-location. Never use the same personal name or street address twice either.