I believe you can pledge even if your card has issues, you will get 1-2 weeks grace period to sort out the issues. According to https://www.backerkit.com/blog/dealing-with-failed-payments/
BackerKit’s Success team recommends that project creators send out their surveys
two weeks after their campaign has ended. Thomas Sleeth, BackerKit
success representative, call this the ‘sweet spot’. “On
Kickstarter, people will often have failed payments,” he says. “They’ll
need to update their card, they might have a fraud warning, they might
have changed banks.” It takes about two weeks for Kickstarter to collect
funds and disburse them. That’s when you’ll know which backers have and
Any backer who doesn’t upload payment within this timeframe is marked as ‘failed’
and their pledge is recorded at $0. BackerKit then sends these backers a
survey, which gives them an opportunity to honor their pledge to your
campaign. If you send the survey close to the campaign end date, the
project will still be fresh in the backer’s mind and they will be more
likely to rejoin, especially because BackerKit can keep the survey open
for as long as the backer needs to get their payment squared away.
Pimax talks about sending a survey, and I'm guessing they are using backerkit to do that.