doesn't clarify whether can deduct remaining $5 from Account Balance and $5 from Credit Card / Debit Card / GIRO to renew $10 plan ?
DISCLIAMER: I am not connected in any way with Tpg/Simba.
I believe that their billing/charging is as follows:
If R = hidden reserved sum ($). This is the $10 paid at sign up but is NOT reflected in the Simba account.
A = additional charges incurred probably due to usage exceeding base plan entitlement ($).
This might include a credit card pre-charge that has not being refunded yet.
Then just PRIOR to the charge date, a subscriber logging into his/her Simba account should see a deficit amount equal to A.
Assuming that it is a $10/mth plan, the subscriber should immediately top up an amount $(A + 10) to prevent any credit/debit/GIRO deduction.
In short on charge date the R value should still be at least $10 AFTER Simba has made the deduction for the next billing cycle.
Deduction is made from the visible account balance first.
Any shortfall will trigger deduction from cards/GIRO.
Remember that the R amount is still there hidden in your account - just not reflected !
Corrections to any part of my guesswork above which is wrong will be helpful.
Thanks.