so if i asked sony to refund my money back they will ban my psn account? jw
Not if you ask for a refund no, but if you contacted your bank & disputed the charges Sony will ban your account.
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so i can pay my playstation plus later on when i get the chance to example like if i didnt have funds in my wallet at all and i wont get banned?
Yes. But if you wait too long, then you might not get back all of the free games that you had with your previous subscription. You will never be banned for not having enough money in your wallet to automatically renew a subscription.