monthly payment rule

for example

i have 5dollar in my mastercard(credic card), so i buy photoshop porgram monthly pay 3dollar.

First month i can use photoshop ,but i had only 2dollar(5-3=2) in my credit card.

and next month, i cannot pay 3dollar so, photoshop program is not working.

So, i charge 10dollar in my credit card for using photoshop.

if in this case,

can i use photoshop again, right now?

or i must contact Adobe-service Q&A center?

or payment will be request again for me?

i must use photoshop right now.

please give me answer.