Get out while you can!!! Trust me, count this as an expensive lesson and walk away from Google Adwords!
Regardless of how many tutorials you study or how well you think you understand Adwords; it will never help. They change their algorithms on a whim, and what worked yesterday will cost you a shit ton of money with no returns today. The way I see it (and experienced), as long as Google has your credit card information on file, they WILL max it out, and then you're forced to fight for it back. And that's a fight you're not likely going to win.
RUN, FORREST! RUN!!!