You said you had another payment mean, but they’re likely not allowed to use it without your approval. If you missed the email requests for approval, they couldn’t renew and you legitimately lost your domain.
The annual contact accuracy check (WDRP) usually doesn’t result in deletion but suspension, so something sounds fishy here. Maybe it came at the same time as the renewal (which makes sense) but I’m pretty sure it’s not the direct reason for deletion of your domain.
However the above is true only for gTLDs, not for ccTLDs. What’s the TLD of your domain?