[suddenclarity]

You can always block your card. Takes a few days to get a new one and might be a bit of a hassle to update PayPal and other services where you have it stored. Not ideal but I don't think anyone should lose sleep over it.

[makeitdouble]

I don't know if this advice is for yhe only, or it's for companies that won't go after you for small fees.

Otherwise there's always recourses for a company to recover the fees that were due and couldn't charge through your credit card. You'd then have to dispute a court order to recover it from your employer for instance. You can of course battle it then, but it's a lot more hassle than to have the charge disputed in the first place (the dispute goes back to the company, who has to prove their point)

[HumanOstrich]

> You'd then have to dispute a court order to recover it from your employer

That's not how any of this works. A company doesn't just send someone over to the courthouse to speak to the manager and get a court order to garnish some random person's wages over $20 in declined subscription charges. Lol.

[makeitdouble]

I actually experienced this first hand on a random invoice that got lost after moving to another town.

As a company you file an official claim that goes through a court, usually the other party won't show up, and you're awarded a judgement in your favor. That judgment allows you to request recovery of the funds in many ways, including asking the person employer to pay you first before paying them, repossessing their godds, houses whatever the court allows you to do of there's no other option.

E.g. in NZ: https://communitylaw.org.nz/community-law-manual/chapter-26-...

> lol

For people baffled by all of this, many countries will have stronger laws to protect lenders and service providers than just telling them "tough luck" when you refuse to pay for received goods/services.