It’s very clear that PayWithUs never mentioned anything about card deletion for that reason (5 declined transactions). I see that you block the card after five declines, and I find this rule ridiculous in the first place. Although, it’s your service and your rules but you should make your terms clearer. 

You accused Shasan of breaking your terms and rules, so does that mean getting five declines due to insufficient balance is actually forbidden? What if a subscription service like Netflix attempts to charge the card five times in a row within 24 hours? How would that be the user's fault if he doesn’t have enough balance inside, and why should their card be deleted in such a case? 

I remember once attaching a virtual card to my Google account, but accidentally deleted it. Few weeks later, Google Payments requested a copy or at least a screenshot of the card, and since I couldn’t provide it, my Google Payments profile remains locked to this day. Luckily, it wasn’t that important to me, but this is just one example of how a card can sometimes be imported.

I understand that you are only providing a service and may not have full control over these cards, as dealing with them especially with crypto deposits, the bank may face issues or won’t survive long. However, denying your mistake of deleting a card instead of simply blocking it, just because it was offered for free, without mentioning that in your ToS doesn’t seem right.