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I've always had the same thought but never actually tested it — the Android app's insistence on picking a payment method every time is pretty annoying. My guess is it would've charged your card rather than touching the credit balance, but honestly I'm not certain enough to have risked it either. Might be worth dropping Kobo support a line if you're curious, they'd probably give you a straight answer about how the app handles store credit vs the browser version.
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