Ok, don’t remove it. Just fix the wording. Asking humans to make sure card is on file when the app knows it is is clearly wrong. You can’t disagree with that, can you?
That’s right. Just to upgrade to PRO you need to deposit more than $10. Then - depends on a usage. You may store a few gigabytes and pay cents, so these $10 may lasts forever.
sometimes happens too. However, the most probably the intention was to ask you to check your card also, because if it’s expired, then it couldn’t be charged, if you run out of tokens.