Auto-pay, auto-renewal is a very very very very bad idea. The stuff scams are made of. I agree wholeheartedly with endangered08... they're hoping to benefit from those too lazy or unattentive to their bank accounts to cancel in a timely manner. Perfect example is gym memberships that do everything in their power to get the same arrangement with your accounts. You stop going to the gym, yet the money still disappears every month... its how they make the vast majority of their money... free money for no delivery of service.