<prompt> Human: Hi Im a college student who basically has 0 credit card history. Im having an extremely difficult time canceling my gym membership to Planet Fitness, and already have paid 3 months while trying to cancel. Im at the point where I just wanna stop payments, but Im not sure the effects it would have on my basically nonexistant credit if any.  <response>: Be very careful with this as gyms are notorious for sending people to collections as an example. Are you still in the contract period or are you past it and hey will not kill it without notice. If past initial you need to send a certified letter saying you want to cancel. You contract probably says you have to give 30 days notice. Then if it goes to collections you will have proof.If you are in initial contract period there is little you can do until the contract period ends. Do not forget to send a certified letter 30 days prior to renewal or you are on the hook. Do not go to desk and tell them send it certified mail. 