How can I use my credit card info to shorten recovery process

Read again -> Related Article -> How to use account recovery when you can’t reset your Apple ID password

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After you start account recovery

After you request account recovery, you get an email with a confirmation of your request and the date and time of when you can expect to regain access.

• If you submitted your account recovery request with iforgot.apple.com through your device's browser, you should avoid using that device during this period. Using that device might cancel account recovery. 
• To avoid delays, turn off other devices that are signed in with your Apple ID until account recovery is complete. 

When the wait period is over, Apple sends you a text or automated phone call with instructions to regain access to your account. Follow the instructions to immediately regain access to your Apple ID.

👉 In some cases, you might be able to speed up the account recovery process or reset your password immediately by verifying a six-digit code sent to your primary email address. You might also be able to shorten the wait time by providing credit-card details to confirm your identity. If you’re given this option, an authorization request goes to the card issuer.*

* Apple Pay doesn't work as a credit card. If you enter your credit-card details correctly, and are asked to reenter your security information, contact your card issuer. The issuer might have declined your authorization attempts.