[jdewerd]

No, because contract law is built for centuries past and lets Adobe screw you for trying this. Not sure if they do, but they definitely could.

Back when communication latency was days or weeks, allowing sticky auto-renew that ignored payment failure and asked for a lot of heads up time on a cancellation made sense. It was exploitable, but it was worth it to buffer the latency. Now we don't have the latency, so it's just exploitable, the law hasn't caught up yet, and Adobe is happy to exercise this advantage against you.

[nightski]

I'm curious, what exactly are the ramifications of this "contract law" in the context of Adobe subscriptions? Adobe will sue you? Are they suing large amounts of customers?

[ceejayoz]

They'll send you to collections, which'll ruin your credit.

[SnowingXIV]

The risk-reward here is out of balance for SMB, so while we could just not pay it was more headache not to. Here is hoping for some class action. Perhaps small claims but its pretty frustrating that a company as large as Adobe has this in place.

[nightski]

Does it though? I thought only credit accounts affected your credit score. This really isn't that...

[ceejayoz]

Gym memberships, cell phone plans, utility bills, unpaid parking tickets, etc. will all report to your credit report if you miss payments. Debt, not just credit cards. A delinquent account on your account will drop it by 100-150 points immediately.

[xyzzy4747]

How does that work? I don’t think Adobe has your social security number.

[ceejayoz]

You don't need someone's social security number to send them to collections.

[xyzzy4747]

How does it affect your credit score then?

[ceejayoz]

The information you provide with payment - name and address - is sufficient to add a delinquent account to your credit report, which will immediately tank it. Again, SSN is not necessary for this.