I have tried to cancel my automatic payments twice now and the first time it was not clearly explained to me. The second time the consultant was better and explained I can not stop my automatic payment and keep the credits that I have. I have to use the credits before they can stop the automatic payments. Apparently there is no way for them to stop the payments other than to close your account which means you lose your credits. I already paid for them so they should be mine to keep and use whenever I want. Their cancellation policy is not clearly stated anywhere. This is the dumbest set up I have ever encountered.