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I literally canceled my gym membership by cancelling my credit card. It was easier to update a handful of services on autopay than go through their daedric rituals of submitting cancellations by fax 90 days in advance.

Years later my wife and I signed up for the same gym. She was later able to cancel by talking to someone in charge and crying about it.



Virtual cards FTW. Too bad they're not that common here in Canada.


easier: they'll always accept a change in card numbers.

just change it to a virtual card and then give the virtual card a budget of $1 and/or let it expire. or get a prepaid debit card with $1 left on it.


your credit (FICO) score might take a hit when you close a card, especially an old one


I did not realize this until I cancelled a card that I'd had for 15-20 years, much longer than any others, because I'd switched to another card from the same company (AMEX) and wasn't using that old card anymore. My score went down quite a bit, and I was so upset at Amex for not telling me when I was trying to cancel that old card. I would have just kept it and not used it.


If you close a particularly young card, it can also bring your score up if the others are older. Last I looked it used an average for the age of all your credit lines.


That's why I use a prepaid one. Although, that's mostly for free trials.




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