Convenient Pay Plans

Banks have their methods and that's fine but when I think that a pay plan in which I am automatically charged each month is convenient, it isn't always. The most annoying thing is that the charges appear on your credit card three weeks ahead of being due. That can be scary. For persons who are on a pay schedule of every two weeks, the charge appears as a debt so that when you see it, you are shocked. Since the bank is a business that works credit cards, it tells you to call the company that is billing you to change the arrangement. One of the companies I called, was very cooperative but they said that is the way they do this arrangement for their convenience. It was a very large company.  I told them to cancel that system for me and simply bill me the charge when it is due or at least inform me the date it is due. I will pay it on time. That way, I keep my money rather than they holding my money. Someone told me "oh, what are you concerned about, you wouldn't earn that  much interest anyway - just ignore it". My peace of mind can't ignore debt. While I might not lose interest if I pay them early, they must be making tons of it using our early paid money.  I decided to stop these sorts of plans and have the companies simply inform me when they are due. I need to run my affairs closer to my own business plan. While most of the companies were cooperative with the changes I made with them, one wasn't. When I tried to contact them, they made it impossible.  I entered my usual email and password and they said it was wrong. It wasn't - I keep track of this.  I tried again this time using the "forgot the password" thing. No go. This company was charging me ten dollars a month even though I had cancelled my membership long before. I hadn't noticed because it was a small amount. It made me wonder how many other people on these small thieved amounts and how that small amount would be a big amount to profit this scamming company. I called the credit card company and the agent said to take a screen shot of any correspondence with this company or their phone number. They wouldn't let me email them, and there was no phone number unless I took another email address they gave me to learn their number. I trusted that since it had my credit card number it was okay to repeat it. Oh no. First of all, when I got the number and called the Big F company had been sold to a new owner who touted all the great benefits there would be. Discontinuing with them wasn't one. Now I was charged by the company working for them and when I phone using that number I was fiven another sales pitch for a personal security monthly plan. What? Finally, the wonderful credit card company did help me at last and while it took a very long free call to them, they fixed it for me. How do these scamming companies get away with this nonsense? It was in the US.  I hope Canada does better. And banks need to take better care of us because these companies do it through banks who side step and tell customers it's their responsibility. We put out money into banks that could not exist without us, therefore it IS their responsibilty.