If you do this, you should then have the full protection of the credit laws
Providing that the credit card company regard the transaction as "buying hours and paying in advance" and not "providing banking services by lending money to a company", which one might guess would be subject to different regulations. Personally I would take advice first. (From a real live lawyer with a physical existence who could be sued if the advice was wrong, not from anonymous tossers on some randomly selected web site.)