Netflix does this as well, and is how I found out about it. They claim that since you didn't cancel the service, it was clearly a lapse in your updating of the new number so they just helped you out. Of course it is in everyone's favor except yours when this happens.

Don't trust cancelling your card either. I closed my account at Capital One, paid the final balance, and six months later I noticed a steep drop in my credit score. I had a $3 monthly charge that kept recurring even though I had closed my account.

Also, because my account was "closed," I didn't receive any statements notifying me that I was being charged. I only discovered this issue when my credit score dropped by 100 points.

That bank-facing service from Visa is called VAU - Visa Account Updater.

https://developer.visa.com/capabilities/vau

You have to report the card is lost or stolen then the new number will not propagate. You likely asked for a replacement card which will propagate the new number through the network.

American Express asks you (or at least used to) if you want to allow recurring billing when canceling.

I am really amazed how people can go years with not knowing what companies are regularly charging them money.

That's fine with me. We can then let that "debt" linger until it is bought up by some company willing to settle for pennies on the dollar

I'd argue that heavily lopsided TOS in favor of the company, that can be changed at any time by said company, and your access can be cut off unless you agree to the updated TOS, does not make a contractual obligation. In a B2C context, the business is the more sophisticated entity so it's up to them to make sure everyone knows what they are agreeing to. They could have put up a bold summary of "this is a yearly contract, you will be charged $79.99 to cancel, please type YEARLY CONTRACT in the box" somewhere in the signup flow. Had they done it, the case could be dismissed.

You put the ball in their court. They have to do something to get your money, which you might contest or ignore.

But ye it is not optimal. You'd probably want to have some record of trying to cancel.

Wow that is great. I’ve been told that was impossible by several cards and ended up reissuing.

This is a huge advantage for subscriptions that go through Apple or Google since they have a central dashboard to cancel.

This is the way. Easy solution when forced to do business with actors with dark cancellation patterns.

Also good when forced to do archaic practices like writing credit card numbers on a form or saying them over the phone.

Came here to recommend this wonderful service...

Allows you to create unique CC#'s for every single company, and you can ship to any address (because the "address verification" will always respond <OKAY>).

This doesn't sound right to me.

Damages are generally limited to the extent to which a contract is performed or not performed, and the non-breaching party generally has a duty to mitigate damages.

So, in other words, you can't continue to perform once the other side has stopped performing and then later claim damages for non-performance you were aware of.

It's possible the contract itself specifies otherwise for this situation, but courts are generally not sympathetic to this sort of end-run around common law contract law.

I'm not saying companies have not tried to collect on this basis. I'm saying that if they were taken to court over the practice that they might lose. If Adobe really does this, it might strengthen the case against them.