@engers It's not about them being "technical" or not.

This is about consumer behavior: if they have to update their credit card (add new billing info), churn goes up.

Higher likelihood of failed/missed payments.

https://www.profitwell.com/blog/involuntary-delinquent-churn-failed-payments-recovery#:~:text=Expired%20cards,system%20within%20the%20next%20year.