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Re:Stripe Issuing – An API for creating physical and virtual... by ceejayoz on Thursday July 26, 2018 @02:07PM (#17619494)
Be careful of the "cancel this gym membership" approach. Gyms in particular have a reputation for sending you to collections if you try to end your contract that way, as the contracts generally specify a specific way you have to end the plan.
Re:Stripe Issuing – An API for creating physical and virtual... by toomuchtodo on Thursday July 26, 2018 @02:26PM (#17619659)
No merchant agreement prohibits the merchant from pursuing the purchaser through collections or small claims court if a chargeback occurs or the charge is declined (in the case of a recurring subscription).

https://news.ycombinator.com/item?id=17468176