<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>hn_user2</author><text>That stops the payment from happening. But it does not stop your contractual obligation to pay.&lt;p&gt;So it really depends on the business and how much information they have about you, and if they are dirty enough to send you to collections for it.&lt;p&gt;A gym is likely going to send you to collections. An online SaaS is more likely to just cut you off and cancel the account.</text><parent_chain><item><author>zja</author><text>Not to excuse companies that make you jump through hoops to unsubscribe, but is there any reason you can&amp;#x27;t just call your credit card&amp;#x2F;bank and cut off transactions to a company that&amp;#x27;s giving you a hard time? I&amp;#x27;ve heard horror stories about people trying to cancel gym memberships, and wondered why they don&amp;#x27;t just stop paying, and let the gym figure it out.</text></item></parent_chain></comment><story><title>‘Click to Cancel’ legislation introduced in Pennsylvania</title><url>https://pahouse.com/InTheNews/NewsRelease/?id=124404</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>klabb3</author><text>The American personal banking experience feels so shady and insecure. Afaict companies often have the ability to pull money out of my bank account or credit card, that&amp;#x27;s just the way subscriptions work here. I just have to trust they don&amp;#x27;t abuse it.&lt;p&gt;In my home country we&amp;#x27;ve had a national system for electronic invoices for ~10 years which allows you to receive invoices to your bank account. You can remove any such entry at any point in time. You also see all scheduled payments ahead of time and need to sign them before the due date, using a 2fa system that isn&amp;#x27;t tied to the bank itself. It&amp;#x27;s not perfect, and even feels a little aged today, but it&amp;#x27;s so much better than here in the US.</text><parent_chain><item><author>zja</author><text>Not to excuse companies that make you jump through hoops to unsubscribe, but is there any reason you can&amp;#x27;t just call your credit card&amp;#x2F;bank and cut off transactions to a company that&amp;#x27;s giving you a hard time? I&amp;#x27;ve heard horror stories about people trying to cancel gym memberships, and wondered why they don&amp;#x27;t just stop paying, and let the gym figure it out.</text></item></parent_chain></comment><story><title>‘Click to Cancel’ legislation introduced in Pennsylvania</title><url>https://pahouse.com/InTheNews/NewsRelease/?id=124404</url></story>