Well, never one to not have an opinion, I am and always have been in favor of not having the "keep your credit card active and keep the same price" policy.
I think it is fair, more straightforward, and makes more sense to have a cost for the program and, if you don't have a credit card to pay for it with, you don't keep AC. My sense is over 95% of users would continue to pay.
If you use the theory that one's keeping a credit card active costs the company less when renewal time comes, then you certainly have to make exceptions to someone who actually loses their card.
Again, my vote would be to do away with this well intentions but impossible to do fairly system.
The method suggested of paying early has some merit but does not reward those who have used the program longer. If you wish to do this, then have the same charges for everyone, but give graded discounts based on length of use.
So, that is my three cents.
