You might want to take another read of their post. Adobe failed to charge their card, ostensibly for the first time, after having successfully charged them $40/month for a total of $960 (over 24 months).
This happened to me with Metromile and they cancelled my policy without me even knowing after years of no late or missed charges. American Express said they never attempted any charges and Metromile claimed the problem was American Express. If I had been in a collision, I would have been fucked. Now I pay for my insurance one year at a time from a different vendor.
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.