>>816451. There should be a 7-day grace period (meaning the VPS is shut down but not deleted) if your cloud credit drops to $0 if I understand your host's ToS correctly.
2. Your host accepts Bitcoin payments too. If you don't get your credit card by the last day then just paste your wallet address here and I can wire you $3 in Bitcoin.
3. Check cards (more commonly known as debit cards) are cancerous and you should never leave those in your wallet, I always leave them hidden deep in a drawer. Carrying a debit card is like carrying a huge stack of cash compressed into the size of a card. While you're probably only liable for a small amount if reported ASAP (less than $100 IIRC) it's still a much bigger PITA than losing a credit card.