The whole auto-charge credit card arrangement makes no sense to me.
It just seems you like I should be able to contact cc company and tell them to refuse charges from Spotify (or whomever). I mean simple phone call or online.
Maybe it is better now, but last time I did this, it involved paperwork via snail mail and several weeks to process.
You can open an account or transfer thousands of dollars electronically, but if you want to stop a scammer from taking your money, you need to wait on it.
It seems like the cc company is in cahoots with the scammer , not me.
I hope someone can explain why this makes sense and save me from becoming a paranoid conspiracy theorist.