I signed up for a free month trial of Netflix. I forgot to cancel & was charged for the next month. When I went to cancel, their system only allows an immediate cancellation without credit for unused days. Since it was at the beginning of the next 30 days and my Visa card expired that month, I didn't cancel thinking I might try Netflix within the period paid for already. Netflix continued to charge my expired Visa and my credit card company said the user agreement with Netflix allows them to continue to charge my card even though I did not update the expiration date. I think Netflix's policies are legal theft. I also found out the 'local' bank I got my credit card through had completely outsourced everything except their name on the envelope.