Not a bug. Requires custom coding.

Instead of giving $50, give them $10.
OR
Hire a developer who can setup a conditional php statement to disable woo-wallet as payment if cart total is less than a desired amount.
I’m no way affiliated with woo-wallet might I add.

I’ll give you some tips to point you in the right direction. These filters turn on and off woo-wallet payment options.

//disables woo-wallet
add_filter( ‘woo_wallet_payment_is_available’, ‘__return_false’, -1);
//Always show woo-wallet as option hack
add_filter( ‘woo_wallet_payment_is_available’, ‘__return_true’);

//This Woocommerce filter you can filter out which payments you want available.
add_filter( ‘woocommerce_available_payment_gateways’, ‘your_unset_gateways_function’ );

your_unset_gateways_function being the function which you run your conditional statements to whether or not you should show or disable the woo-wallet.

Hope this helps.
Best,
JD

PS I personally don’t do a credit program on registration as it’s too easy to manipulate.