I have two GitLab accounts and I've never given a credit card. That may be something new they're doing to try to reduce the number of spam accounts signing up. You could use a Privacy.com card, put in whatever name and address you want.
In any case, if you're looking at sites which host your repos, you're gonna have to deal with them being able to deny you service at any time. No way around it.
I'm considering hosting a gitea instance myself, only accessible over tailscale. But I've got to keep my Githib up because I maintain a few Zsh plugins.