Just realized that for the past two month, I have been using my expired credit card. Technically didn’t pay my OAI bills, someone said I might get banned for that, OAI never sent me an email on anything, Ig im fine?
You can add a new payment card and make it default card (don’t remove the last card until many days after the new card is used), and also purchase a credit to cover the outstanding balance until you are above zero (with the chance that you pay double and the second just goes towards new balance)
Don’t wait for when the charge fails again when monthly accounts are being processed in the next week. 
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I mean, Im not complaning. I dont have problem with a free GPT-4 API.