The main issue is the billing address. It can be added and automatically debited for authentication, but you can hardly use it.

I added a China Merchants Bank account many years ago. I simulated the billing address as Hong Kong during checkout. It was successful at the time and can be used on Play now (it will be automatically used during checkout). Checkout in Hong Kong dollars, which is mainly related to the billing address). If it is used for other purposes, such as buying Google Voice recharge, it can still be settled in US dollars.

Some time ago, when I added other cards, I encountered a situation where I could add them but could not use them at the time. After all, Google Wallet (checkout) does not officially support mainland China.

In addition, do not try to delete a card that has been added on Google and then add it to another account. This will cause your wallet account to be added again to be frozen until you upload documents and credit card statements (billing address needs to be shown) for verification according to their requirements.

Hope this helps!