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If you want to cancel a subscription for whatever reason, worst comes to worst (dark pattern nonsense like trying to cancel an Adobe subscription) you can call your bank and request for a replacement card
However sometimes they allow cards that are being used for recurring subscriptions to keep going even if you've had the card replaced. I know from experience Chase does this
It's supposedly for convenience. More for the people charging me than me, but convenient nonetheless.
My American Express card was compromised a few weeks ago and while they sent me a new card I was still able to use the old one at stores, use mobile payments, and recurring payments could process. The only thing I couldn’t do was use it online. Even after I received the new card, recurring transactions were able to occur.
Specifically ask the bank to revoke authorization codes.
Tell them it was lost/stolen. Don't dispute any existing charges, but for security reasons they should still block any new charges made against the old card.
I work for a UK bank, and we automatically provide your replacement card details to all subscriptions, for example Netflix, Spotify, adobe, amazon prime, gym and many many others etc. The reason for that is that if you lost your card or it expired, you would otherwise have to spend ages updating the card numbers with all your providers. We call the subscriptions 'recurring visa' and if you ask your bank to place a recurring visa block, it's quick and easy and we won't let your named merchant take further funds. No need for a new card. However, if you are in a contract and you deny the company access to your bank card, they may demand that you pay for the rest of the contract still. They won't be able to get the money from the bank tho.
I learned this because I used to get drunk and lose my credit card.
Use a privacy.com virtual credit card. Gives you full control over each card. I use one for each subscription, especially those I don't plan to renew.
I did this, a gym membership could "only be cancelled by the manager" I just went online and changed the credit card number on file. Moved away never looked back
The trick with Adobe is to use PayPal... you can then cancel the recurring payment yourself.
Sure, but then you need a PayPal account, and fuck PayPal.