About how to install & setup suica card on non-Japanese android phone, refer to this github article: https://github.com/kormax/osaifu-keitai-google-pixel

And magisk solution for newbie basing on previous article: https://github.com/jjyao88/unlock-felica-pixel

About how to load suica with non-Japanese credit card, it's almost impossible. But there is an easy solution: You can load your Google Wallet Suica card in any 711 ATM (most other ATMs in convenience store also works)