Because your account has been authenticated by real name, it is authenticated by real identity information, and of course, it is paid by a credit card opened in your own identity. If it's a savings card, it doesn't matter if you use someone else's. Credit card payment audit should be strict. If not, you can try to unbind your mobile phone number in the account management office. You can register a new account with your mobile phone number after unbinding. This new Taobao number must use the identity information of the same person, which is your own.

Especially now, Alipay can't be paid by credit card, and it is used more strictly. One is that the other party's Taobao account is bound to its own credit card for fast payment, and you can't pay with your own card; The other is that you have bound your Taobao account with this credit card, so this card cannot pay for other accounts.

If the user name of the treasure account is different from the name of the cardholder who paid with your credit card, you can find someone else to pay for it yourself and then pay with your credit card.

I hope this helps.