How to pay someone with Apple credit card

You cannot send money to someone with a credit card. It only works if they have the ability to accept credit cards and individuals are not likely to have that capability.

What you may be asking about is Apple Cash, not the Apple Credit Card. If the person you want to pay has an iPhone you can send money with Apple Cash. If not then you might look into other online payment systems like Venmo, etc.

Apple Cash - Official Apple Support