Old MoviePass user, just signed up

I had the old program and switched to A-list which was fabulous... Unfortunately, I just moved and the AMC by my new place is terrible, so I rejoined MoviePass.

I've been looking at the website and this subreddit but still have a few questions:

  1. If I use my virtual card to purchase something - for example, tomorrow at 8am - and by the time the movie rolls around I want to cancel, do I get those credits back?
  2. With the virtual card - do I purchase directly on the theater's website?
  3. I read that if you request a physical card, you can still check in and then purchase at the theater's website - is that correct?
  4. If anyone lives in the Metro Detroit area - how many credits do you normally spend on a weekday night movie? I generally see movies M-Thurs after work (5pm or later).

Thanks!