Pubby use this sentence in their Terms and Conditions to extract money from your account even when your account is closed:
"4.3 We have the right to remove users from the program for any reason and without notice, at our sole discretion, WITHOUT REFUND."
Source: https://account.pubby.co/terms.
In my case, they closed the account simply because of a review I wrote they did not like. They did not even mention they would go on to charge my credit card! This must be illegal!
They even did not allow me to use the thousands of credits I had earned from the reviews I had written.
Scandalous!