Question About Steam Payments

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So i used to only use an entry level sub and just today since i never use my alt i decided to change it back to save some money. For some odd reason though i was only able to change this through Steam and it required me to add money to my steam wallet. I only added 5 bucks but i got thinking, will it only charge me though the wallet, or if i dont have enough in the wallet will it charge my card instead/in addition to?

I dont want to accidentally lose my house in game because i didn't have enough in my steam wallet to pay the sub. Im not sure if anyone knows but i'd appreciate the help since i dont really care to add money to the steam wallet; this is the only computer game i really play.

Also is there any way to change this off auto renewal? I tried when i was changing but the next button wasn't working unless i picked auto renewal (kinda dumb to give the option of manual payment and not even have the button work, SE :/), this whole payment change has been a pretty big mess, but i prefer to pay every month myself rather than having it charge me automatically.


Please only reply if you have the steam version of the game/know how it works, i know when it comes to payment the version off of SE site it is a little different from what i've heard, could be wrong though.

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