Outside of work, I'm a very sporadic coder. On some side-projects where I'm using Actions, I'll have an inspired few days of progress followed by completely idle weeks/months/quarters. Losing free Actions doesn't particularly bother me, and I have no issue with paying what is most likely a negligible amount, but I don't really want to have a credit card on file which could be charged some unbounded amount if somebody…
There are several “virtual credit card” providers that allow you to generate additional cards, set limit on them like amounts and who can charge the CC. The availability varies per geography.
Now you still owe them the money, but haven't paid, so they tell you to pay on another card. If you refuse, they start debt collection against you and you could end up with your credit rating being affected, and maybe court cases and so on.
I want give the company an amount of money, then know that it's run out and I have to pay for more. You can set monthly limits (https://github.com/settings/billing/budgets), but if you are like me and have personal projects that you work on for a week or two a few times a year, that doesn't really work.