Waive credit card validation if project has paid CI/CD minutes

What does this MR do and why?

Previously users working on a namespace on a free plan would generally be required to add a credit card if they use shared runners. However, free namespaces are not really free if the owner pays for add-on CI/CD minutes. In these instances, we should treat these namespaces as we do with Ultimate/Premium and not require credit card validation for users who use them.

Relates to #349835 (closed)

MR acceptance checklist

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