This should be the top comment in this thread imo.
This service solves a lot of the issues mentioned. No need to call anyone and beg for a cancellation, just close the card.
A caveat is that one should be aware of how binding one's agreement with a business is, and whether a simple card cancellation will make the problem go away or become worse (collections).
A caveat is that one should be aware of how binding one's agreement with a business is, and whether a simple card cancellation will make the problem go away or become worse (collections).