3 ms·

I'm pretty sure you can harm your credit and have the debt get sent to collections by doing this, at least it's common for gym subscribers not paying their fees

• musha68k 5mo ago
  Good point. Fortunately, where I live, subscription fees are typically charged before the next billing period begins, so there usually isn't any outstanding balance carried over. Credit-building in the North American sense also isn't much of a thing here. My understanding is that, even in North America, most of the benefit comes from just consistently paying your credit card bill, although I can't say that with certainty.