January is the best time to audit your bank statement. Companies make it easy to sign up and hard to leave (Dark Patterns). Here is the playbook for cancelling services that hide the button.

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How to cancel difficult subscriptions

How to cancel difficult subscriptions

TL;DR: Check app stores first, use the 'move' excuse, or use a virtual card to stop payments.

January is the best time to audit your bank statement. Companies make it easy to sign up and hard to leave (Dark Patterns). Here is the playbook for cancelling services that hide the button.

Step-by-Step Guide

  1. Check Apple/Google Subscriptions first: Many apps are billed through your phone store, not the app itself. Check Settings > Apple ID > Subscriptions (iOS) or Play Store > Menu > Payments (Android).
  2. The 'Move' Excuse: If you have to call to cancel (e.g., Gyms, ISP), tell them you are moving to a country they don't serve (e.g., Australia). They usually waive cancellation fees and stop the retention pitch immediately.
  3. Check the 'Account' or 'Billing' footer: Online services often hide the cancel link in light grey text at the very bottom of the account settings page, or nested under 'Plan Details'.
  4. Nuclear Option: Privacy.com / Virtual Cards: If a service won't let you cancel, or keeps charging you, block the merchant on your credit card or use a service like Privacy.com to pause the card linked to them.

FAQ

Can they charge me after I cancel?

Legally no, but errors happen. Always keep the cancellation confirmation number or email.

What is a zombie subscription?

A service you thought you cancelled that starts charging again. Watch your statements.

Is it legal to make it hard to cancel?

In many jurisdictions (like California and EU), online signups must have online cancellations. Report violators.

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