It's the "using my own credit card" that sounds like a great way to get your account shut down, not using it with a fake name. Charging your own cards is something payment processors don't like for a number of reasons, like the fact that it can be used to perpetrate all kinds of frauds: giving yourself cash advances the card issuer hasn't approved, gaming credit card reward programs, skewing your volume and reversal metrics the processor uses to evaluate your account risk, etc.