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| Stop Subscription Creep |
Vendors love subscriptions because people forget to cancel them (so charges keep going). They can even make it hard to cancel. Part of the problem is that it can be a big hassle to regularly audit all your payment card statements to find the ones you no longer need or want. Another part of the problem is that it can be hard to jump through the necessary hoops to cancel. Fortunately, there is a simple, effective solution.
A related problem is that vendors can record and keep your card numbers for future transactions that you may not actually authorize.
The "Nuclear" Option
The simplest, most reliable solution is to force‑expire every payment card once a year. Ask your card issuers to replace your cards with new numbers but without Card Updater Service.*
When that happens, every subscription dies automatically and all saved card numbers are invalidated. You then just need to give your new card numbers to those subscriptions and vendors you want to keep.
The PayPal Option
A big advantage of PayPal over a payment card is that vendors cannot keep a card on file and make charges without authorization.
- Individual payments must always be expressly authorized by you.
- Recurring (or subscription) payments must be expressly authorized in advance by you, and can be easily managed (e.g., canceled) in your PayPal account.
No need for spreadsheets, audits, “subscription manager” apps.
* Card Updater Service means that your issuers will cheerfully switch your zombie subscriptions to your new card numbers, defeating the Nuclear Option.









