My solution for this is to use something like a Wise debit card and just keep a zero balance on it at all times, except when you actually want to renew a bill.

My solution for this is to use something like a Wise debit card and just keep a zero balance on it at all times, except when you actually want to renew a bill. I love to see these companies whose services I only use every 3 months, cry for me to update my payment method. Best part of my day.