4 ms·

> This is a customer service. A written notice of termination works for any consumer contract. Not entirely. Most places don't accept cancellations over email,

> This is a customer service. A written notice of termination works for any consumer contract. Not entirely. Most places don't accept cancellations over email, or require certified mail for cancellations, which just means now you have to go to the post office between 9-5. > Unpay for it. This is the utility of credit cards. Most places have segments in their contract that state if you do a chargeback or block a payment, they will terminate your account, and payment providers can block that card from being used on their service in the future.

squeaky-clean 3y ago
Not only can they terminate your account and potentially block that card in the future across other services using the same payment provider, more expensive subscriptions like a gym WILL continue accruing a bill for you and will send it to collections which hurts your credit score.
- bluGill 3y ago
  You can dispute that with the credit services though. Which probably won't get you anywhere but it is worth doing. Make sure you give them negative feedback with the BBB if canceling is too hard. Though the business model of most gyms (except the expensive ones) is to get you to enroll and then not come, so they won't care.
  - olyjohn 3y ago
    If it won't get you anywhere... then how is it worth doing? What a waste of time.
JumpCrisscross 3y ago
> Most places don't accept cancellations over email, or require certified mail for cancellations E-mail yes. But I've never seen a letter mailed fail. Especially if you Cc your state's consumer protection regulator. > if you do a chargeback or block a payment, they will terminate your account Wait, what are we trying to do?
- notaustinpowers 3y ago
  Credit cards don't let you "unpay" a charge. You can dispute it as either an error or as fraud, but if your credit company issues a chargeback most services state in their ToS that they reserve the right to deactivate accounts for doing so.

squeaky-clean 3y ago

Not only can they terminate your account and potentially block that card in the future across other services using the same payment provider, more expensive subscriptions like a gym WILL continue accruing a bill for you and will send it to collections which hurts your credit score.

bluGill 3y ago
You can dispute that with the credit services though. Which probably won't get you anywhere but it is worth doing. Make sure you give them negative feedback with the BBB if canceling is too hard. Though the business model of most gyms (except the expensive ones) is to get you to enroll and then not come, so they won't care.
- olyjohn 3y ago
  If it won't get you anywhere... then how is it worth doing? What a waste of time.

JumpCrisscross 3y ago

> Most places don't accept cancellations over email, or require certified mail for cancellations E-mail yes. But I've never seen a letter mailed fail. Especially if you Cc your state's consumer protection regulator. > if you do a chargeback or block a payment, they will terminate your account Wait, what are we trying to do?

notaustinpowers 3y ago
Credit cards don't let you "unpay" a charge. You can dispute it as either an error or as fraud, but if your credit company issues a chargeback most services state in their ToS that they reserve the right to deactivate accounts for doing so.