Two weeks before your subscription expires - they auto-renew if you didn't disable that function. I didn't disable the goddamned function and - of course - they auto-renewed me for the Cadillac plan that's $160 a year. My perfectly fine cheapie plan was $60.
I'm in the process of trying to get a refund and I'm not enjoying it.
depending on your bank, there might be an option to disable magstripe transactions, thats the shit that can be easily cloned. ive seperate cards for online vs physical.
i also run a magnet over the stripe, no chip/contactless (contactless set to ~$40 limit), no payment.