Billing page: unclear flow for adding funds / purchasing credits

As a user of many subscription-based products, I found the Billing page's flow for adding credits confusing — it wasn't obvious in what order to use "Link by Stripe", "Buy credits", and "Set up auto reload". A clearer step-by-step (e.g. "1. Link a payment method -> 2. Buy credits or enable auto-reload") would help first-time users get started faster.