Is paying via credit card with auto renewals the only payment method companies provide you? That's pretty bad, I'd say.

Because, considering what you are having to do RN, it means that they can simply change a policy and next time you pay, you might find out the "account management screen and cancel" becomes unavailable.

There has to be a way to pay without having to give your credit card details... e.g. The payment gateway sends a request to your bank; your bank asks you for confirmation for one time payment; you confirm payment; the bank sends acceptance to request; payment gateway captures it and gives you your bill.