OP's description is super unclear. What are "credits" that Adobe removed? Access to the assets OP purchased or something else? I read it as Adobe were _never_

OP's description is super unclear. What are "credits" that Adobe removed? Access to the assets OP purchased or something else? I read it as Adobe were _never_ able to charge the card, not just this one time. If my reading is correct, then I don't see an issue with taking back something that was never paid for.