I had a gym membership, and just because of horror stories I used a reloadable credit card to sign up. I went every day starting summer 2019 and was making progress, and then Covid happened and the gym closed.

But they kept trying to charge me, and wouldn't let me cancel because I had to do so in person, and the place was closed. So I just stopped putting money on the card after using what was on it to put gas in the car.