Editing Forced retention of payment methods (section)

==Why it is a problem==
Forced retention of payment methods causes long-term risks for consumers by removing their ability to control how and when they are billed. When a person cannot revoke stored card data or stop an ongoing billing authorization, unwanted charges become more likely. This risk increases when services use automatic renewals or hide cancellation options.

Many users are not offered a simple way to delete a card or cancel a billing agreement. This situation puts the burden entirely on the user and punishes those with limited time, resources, or legal knowledge. Some are even forced to delete their entire account or give up access to services just to stop the billing.

These obstacles are often made worse by unclear interfaces, delayed menus, or wording that makes it difficult to understand how to stop payments.