It's so frustrating because my credit card declines the most random things. But when a service charges me twice in one week after I've been subscribed and charged the same amount once a month for years, the charge goes through and I have to go through hoops to get that money back.

And credit cards do this other obnoxious thing where they update merchants when you get a new credit card. It would be great if they didn't do that because then you'd remember that you are paying for certain services you never use because you'd get a payment declined email. But nah credit card companies just let those scumbag merchants continue their shadow charges under the guise of it being more convenient. Certain services like energy bills, phone bills. Sure, update the merchant with the new credit card. But a gym!? Gtfo with that trash.