Comment by gruez
6 days ago
Except, if you're in a bad position to dispute the credit card charge, you're probably in a bad position to dispute the debt as well. If whatever you signed up for had ironclad renewal clauses you'd find it very hard to wriggle out of it, temporary credit card or not.
Well you can always send a dispute letter and then it's on the charging company to prove to the card issuer that the charge is legitimate I think. Now this probably won't get you out of a renewal charge if you signed a contract and did absolutely nothing to cancel, but if you have evidence you sent an email or contacted them, then you have some sort of case the card issuer has to look at. Especially if you can show you didn't use the product after they charged you.
If anything they can't argue that you want the service on the next renewal date.
I do know sometimes you are stuck. I had a friend sign up for home security monitoring on a 3 year contract - and Ring was better, so they wanted to cancel it, but they were unable to get out of it.