I disagree with your practice of automatic Service Credit.

Yes I understand that perspective and I can't just expect Adobe as a business to take a bank charge hit on my behalf, extrapolate that logically and it would amount to a lot of charges to be covered, so it's unfair for me to say 'Bad Practice Adobe'. However, Adobe have also become such a huge company/conglomerate since the days of rubber checks, highly respected by digital creatives and although there are some competitors on the market I think Adobe still dominates its market in many respects.

I'm speaking from the perspective of a digital freelancer/sole trader, and business is rocky sometimes so I cannot always guarantee there will be suficient funds available in my specified account. I think it's BS that the banks charge for these kinds of issues when everything is so automatic these days, I don't believe it amounts to an admin fee, but they still take it so my frustration should really be directed at them rather then Adobe, but that's a pointless/lost battle. From my perspective it just feels like I'm getting kicked when I'm down and I find it insulting to my intelligence that Adobe attempts to dress up the situation like they're doing me  some kind of favour by charging me extra next month, just shut off my access let me go on paying the amount I originally agreed to.