Friend, we’re pretty cool. No initiation or suspension fees . . . only five days ahead of time via form submission to cancel, we really want to make this not stressful for you. BUT if you fail to follow our instructions and file a dispute, the bank charges US a fee. Then we have to go and prove that you didn’t follow instructions, call you, resolve it . . . it takes a lot of staff time, AND we still don’t get our money back when they charge that fee. So, that’s why. Follow our easy rules. If we mess up, we fix it. If you mess up, that’s on you!