The linked post doesn't actually say "If you don't pay your credit card bill we disable your iTunes/iCloud"
What it actually says is "If you don't pay your credit card bill, we decline new transactions since you're at your credit limit. If your iCloud uses your Apple Card and that transaction is declined, then your iCloud may be disabled."
Apple apologists should probably work on replacing their "bUt GoOgLe!" routines, since people have largely moved on from the Google ecosystem as a whole - and in some cases, like this one, Google is not even present in the same market (credit cards).
If google shots down your account, you are out of docs, youtube, gmail... This can literally kill your career.
Not to mentions all the "sign up with google/apple" you used.