Credit card companies could really make a difference with helping manage subscription services. For example, they could allow you to decline future charges from certain merchants essentially cancelling your subscription. You wouldn't even have to cancel with the provider, you can cancel with the cc company. Some credit card companies do the opposite! Apple Card will automatically provide merchants with your new card number if you order a card replacement, and you can't do anything about it. It's the reason I am no longer an Apple Card user.

I do see the flip-side where that's a feature.

You get a new card and you have to make sure you migrate over all of your subscriptions and bill-pay to the new cc. Would be nice for Apple (or someone) to build more features around that so it's easy to see recurring charges and bills automatically.

>>Would be nice for Apple (or someone) to build more features around that so it's easy to see recurring charges and bills automatically.

That's why they do it I believe. But if they pair that up with subscription management it would be nice. Interestingly they do this exact thing with App Store subscriptions. You can cancel anytime it's done through Apple, and not the service/app you subscribed to.

> don't require a credit card for a free trial

This doesn't bother me as much as most of the other complaints here. How else can you keep someone from creating multiple accounts to get multiple free trials?

That's an issue for a subset of SaaS products that deliver value without stickiness. Sticky products, though, should definitely not take a credit card upfront. For example, a project management product is sticky because I put my data into it and it's too much hassle to recreate that data every 14 days.

For non-sticky SaaS products, there may be a case for taking a credit card in order to prevent multiple free trials per credit card fingerprint, but there are alternatives, such as taking their phone number and sending a verification code. It's not foolproof, but it will stop the majority of free trial abuse.

What do you mean by "stickiness"?

It means you can't just extract some fungible value for the trial period and move on easily.

A project management system is sticky, for example, because you can't easily take all your data out of it and put it into a different project management system that has different features.

A cold outreach SaaS isn't very sticky, because you can spam people for the trial period and then move on to the next cold outreach SaaS.