Since it is a credit card, you can spend it directly, as long as it is within this limit, but if you don't pay it back, the bank will definitely not lose money. The bank will recover the funds through the platform, and the game company is not just cutting a piece of meat for the game data. In order to curb this behavior, many game companies will turn the balance into a negative number, and they can continue to go into battle lightly, directly deal with the title, or make up for the unblocking. The biggest beneficiary is the black card, and the worst is the player.
There are ios-specific refunds, which used to be common in the glory of the king. Although there are restrictions now, it still exists, and the result is the same as that of black card recharge.