Went to a bingo setup with 12,632,122 chips at 06:45 server time.
Selected 82.5k and 4 cards (for 330,000 chips).
Total went down to 12,302,122 chips, as expected.
Left the Bingo game before it started, as there weren't enough players yet. I was not refunded.
Went back into the bingo game, and was requested to purchase more cards. My "old" setting was shown, based on the number of players, to still be there.

I could care less about the number of chips lost (a CA can refund if they want to), but I should either have my player cancelled and be refunded if the game hasn't started, or be given the opportunity to play the cards I had recently purchased.