[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.