A F.

If you're a member spending hundreds of dollars a year just to have the membership and don't check your online account every month, they'll tack a totally non refundable, non negotiable reactivation fee on your account if your card expires, etc. They don't email to let you know of a failed payment, they just charge the fee. Any other company would send an email letting you know the card failed and give you time to update it. How desperate must they be for money to charge fees without first notifying their members there's a problem?