Having talked to credit card issuers about this, what they told me was to close the account. They said they had no way to ever stop the charges from coming in.
In my case, even closing an account wasn't sufficient. A charge posted to a credit card I'd closed more than a year prior, and the card issuer was legally obligated to process the charge because of the renewal contract that apparently I had signed with the merchant. This led a single late payment, which, in turn, caused my credit score to tank by ~90 points just as I was applying for mortgages. I try not to think about what that, and waiting a year, until mortgage rates climbed to nearly 6%, will have cost me if I'm lucky enough to outlast my thirty-year-fixed mortgage.
Edit: and the dark Lord surely reserves a particularly unpleasant circle of hell for loan officers who encourage borrowers to consider a 5-1 variant rate because "we know rates will fall next year."
Edit: and the dark Lord surely reserves a particularly unpleasant circle of hell for loan officers who encourage borrowers to consider a 5-1 variant rate because "we know rates will fall next year."