No mention of how the balance payments will be paid ? It should be made clear don't you think.
Me , think? Hmmm.
I'm not involved in the club or trying to gain a lifetime membership by installments to know of the process enough to think without knowing the details.
For example , after recieving the down payment are potential members sent any more info?
Intervals of payments (beyond once a month) . Prepay options on payments /multiple months payments allowed?
Late fees in the event of a delayed payment?
Thinking as a club treasurer (which I am not) , about the second time someone complained they didn't understand they had to send a payment each month AND that it was not an auto pay from the same credit card they made the down payment...I would propose (make a motion) at a meeting that clarity be sought in the terms.
The club could have had multiple cards not accept later charges at one time in an auto pay arrangement. (Cancelled cards , cards beyond limits ect.) for all I know.
Or could simply not like the terms on thier end by charging cards in higher frequently. Or had potential members the majority of which shun using credit cards frequently , if at all.
I agree you didn't understand the terms.
Not sure your options but I'd let the club know your snafu for future reference and clarity to not repeat the same confusion.
While suspecting others made the same mistake.
IF I was thinking from a clubs perspective I'd flag your case.
Confirm your down payment , and instruct you to make monthly payments in a timely fashion, while I'm poised to terminate your process if you are late again.
But that's me. I'll take your money. The club may not see it that way.
Some , I can't say all clubs will let you plead a case before the board at a board meeting. The right board member can present your plea through a letter of your writing.
If you're honest , it's kind of hard to boot you for mistaking terms.
And could smooth the way going forward for others with ( your , thier,) same interpretation of how payments are to be made.
IF the club has another reason for how it handles payments , or complaint of how terms read ; I'm not able to explain why , not being involved to know. I think.