> One of the ways to prevent unauthorized charges is to use a virtual credit card
This prevents payments, not charges. I’ve met two totally separate funds that buy up these claims and litigate them because killing your card doesn’t void the purchase contract. (And your liability keeps actuating so long as it’s not cancelled.)
That's true. In addition to preventing payments, you also have to make a reasonable attempt to cancel service.
Recently in the case of Dish Network, I tried to call to cancel service, and the wait time is 45 minutes. There's no way I am doing that. (They don't let you cancel online or via chat, calling is the only option). Instead I contacted state attorney general's office and they made Dish cancel service.
If you can prove that you made reasonable attempt to cancel service then you're off the hook. In my case Dish sent my account to collections (for the 1 month it took to cancel service) and I wrote them back that I am not paying and why. Never heard back from them after that.
This prevents payments, not charges. I’ve met two totally separate funds that buy up these claims and litigate them because killing your card doesn’t void the purchase contract. (And your liability keeps actuating so long as it’s not cancelled.)