[pbreit]

No guarantee that your card issuer will decline a transaction on an expired card. Plus, that may not actually cancel the subscription and you could continue building a debt. Just cancel the sub.

[literallycancer]

I think he's talking about services that intentionally make it hard or impossible to cancel.

[lordlimecat]

This is overblown. Worst case, you can send a certified letter for most things.

For gyms, it's pretty well known you either don't agree to said contract to begin with, or suck it up and show up in person if you did.

And gyms have a valid contract and will likely continue accruing debt on your account which they could pursue if they wanted to.