If you have a signed contract with the gym, then just cancelling the card account may be a good way to find yourself sent to collections. Eliminating the payment method just means you are not paying them any more, it doesn&#x27;t mean that you aren&#x27;t accruing charges.<p>As annoying as these cancellation procedures are, they are almost always laid out in the up-front contract (especially for a gym, where you signed up in person). The time to object is when you sign the contract, not when you&#x27;re trying to cancel.<p>(Not that I don&#x27;t &lt;strikethrough&gt;hate&lt;&#x2F;strikethrough&gt; like this practice and find it shady and annoying, but wouldn&#x27;t want people to wind up in deep trouble as a result).