Sure you can. They will just continue attempting to collect money as per the contract you signed, and then send you bill to collections when they can't. Edit:

Sure you can. They will just continue attempting to collect money as per the contract you signed, and then send you bill to collections when they can't. Edit: Credit card companies typically require/ask you to dispute with the merchant and attempt to do get a refund first before they will chargeback. If you try, and the gym can point to contract, you'll lose the dispute either way. Getting your credit card number changed stops the gym from charging you, but you'll still owe them money and you'll typically find out when you start getting calls from a collections agency.