[AlbertCory]

Every time I bring this up, someone says "oh, they'll ruin your credit rating!"

No, actually they don't, unless you do something fraudulent. If you cancel your subscription legitimately and then kill the credit card, you've just made sure there aren't any "accidental" charges.

[onesociety2022]

Most people want to use privacy.com so you don’t have to cancel the subscription because websites like to put up artificial barriers like having to call a phone number and wait on hold to cancel a subscription. So what happens in that situation where you technically never officially canceled the subscription and so the company continues to bill you and when the payments don’t succeed, they send it to collections?

[AlbertCory]

Hypothetical.

In my experience, they say "your credit card is failing, please give us another one." Because credit cards fail all the time. It's not Red Alert.

You go to the page to change your credit card, and THEN you usually can find the "cancel my account" link. As long as you're not still using their service, you don't owe anything. They cancel you, and that's that. No collections agency.

If someone has an actual event, not a hypothetical, speak up.