Well, no, if the credit card charge is declined they don't offer the service. They don't owe you anything if the charge fails. So no-one loses. If they charge

Well, no, if the credit card charge is declined they don't offer the service. They don't owe you anything if the charge fails. So no-one loses. If they charge your bank account for a credit card bill that you owe, and it fails, they lose.