Without posting details in an open forum, just WHY can't you use your credit card?
Change/Verify Account https://forums.adobe.com/thread/1465499 may help
-Credit card https://helpx.adobe.com/x-productkb/policy-pricing/membership-subscription-troubleshooting -creative-cloud.html
-or by telephone http://helpx.adobe.com/x-productkb/global/phone-support-orders.html