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Interesting, I had the opposite experience. The cardholder forgot what Digital Ocean was and placed a chargeback. Do immediately locked my account which had been in good standing for years. I couldn't log in the console or API to do anything. I wrote about it here if you're interested to learn more: https://news.ycombinator.com/item?id=25806086

Linode is very similar pricing/offering and has incredible customer service. I'm very happy with them.

Linode allows you to pre-fund your account.

They do with PayPal at least.

Their emails even use language like "you need to top up your account".