<prompt> Human: I want to join a gym for the summer, and the one that offers the best price is a chain with shady business practices. They require banking information and automatically charge you monthly and yearly. They will not allow me to pay with cash or a card. They also make it difficult to cancel so they can still charge you even when you dont want to go to the gym. Ive heard of virtual or temporary credit cards, but I dont know much about them. Would using them be possible in this scenario if they require a bank account number and routing number? Or would it be a good idea to get another bank account with limited funds to make sure they cant charge me once I want to cancel? Any advice you can offer to not get screwed once I want to cancel?  <response>: You are wise to be be wary. Pay for three months up front in cash. If they wont do this, I suggest you join a more expensive or less convenient gym. 