<prompt> Human: So I booked a consultation for a dermatologyplastic surgery clinic on the phone. They asked for my credit card incase of cancellation and I stupidly gave it. Only I looked at the reviews for the clinic online and the doctor is rated pretty badly. So im planning on calling them tomorrow and canceling my appointment but what will they do with my credit number. They have that, the exp date and the code on the back. Should I cancel my card?  <response>: It wont really make a difference. If you agreed to a cancellation fee, and you cancel, then you can expect to pay the cancellation fee. Theyll likely try to run the card. If you cancel the card, then theyll keep the debt on file and if you dont pay within a year or so theyll sell the debt to a debt collector.You agreed to pay, apparently. Now youre obligated to pay. You can ask them very nicely, but canceling the card would only help you in the short term. 