I had exactly the same issue with Anthropic API. It was only $15, but I was so annoyed when they just decided that they'll take my money for free. If it's really the law as some people state, it's a stupid law.
I think my Zalando gift cards expire after 4 years.
I have a different issue. First window of Excel starts fast, but try to open another file and you'd think that I just didn't click on it. 10 second wait times and I'm on a private machine without any corporate bloat.