I think you have it nailed, Krypas. I have given up with support trying to escalate this problem.
Under certain circumstances, your credit balance will disappear totally and it will not be shown. You have no idea what the balance is in your account. You can see your usage.
To actually determine your credit under these circumstances, you have to use the API. This is extremely frustrating, nearly as frustrating as trying to explain this to DO support that simply don’t get it.
Instead they explain how you have to be in the team account (not the issue at hand), they explain how you have to maintain a credit balance (thank you, exactly what I’m trying to achieve, but with zero idea of what payment is needed if the credit balance does not show).
Tbh, support is sucking tremendously on this issue. I don’t know how else to explain this to support. I made snapshots etc - to no avail. I still hear “how it should” work, but there is a bug in the billing page and unfortunately no amount of explaining how it should work will will fix it. I shudder to think what will happen if something serious goes wrong affecting services.