Hi,

AdWords API charges you only for the paid API calls you make to our server. 
You won't be charged if you don't make API calls, or if you have free API 
units and your API usages are within the free API limits. The API budget 
that you set in your account tells the server what your budget is, and the 
server will allow API calls to be made as long as the cost of paid API calls 
you make in a month is less than your API budget. 

The help center article you posted explains how and when your credit card 
will be charged for the paid AdWords API calls you make.

Cheers,
Anash P. Oommen,
AdWords API Advisor.

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