Mildly Infuriating
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I do the same. So many gyms have abusive terms which is an immediate deal breaker for me.
There are handful I've found that aren't bad offering true month-to-month service. Give notice by phone or email by X day of the month and your membership ends at the end of that month. Miss that date? You only have one more month beyond that then.
For years Planet Fitness had a good deal they'd only run for a couple of days a year where you could prepay for the entire year for $99 (or later $120). You didn't give them your bank info, no "credit card on file". You could literally hand them the cash and 365 days from that day your membership would expire with zero action on our part. That was the best membership deal I've seen yet. I don't know if they still do that.
If you're using your real name I would imagine they'd send the debt to collections which would cost you even more when your credit score tanks and you try to buy a car or house.
I think the YMCA still might have good terms, but I haven't checked. That's where we used to go.
Probably important for people to know, but I doubt it would be terribly impactful, and I'm so done playing their games. There's always something that hurts my credit score anyway, so I just assume I've already lost this battle before it began.
I had a gym want me to sign a contract that they could take photos of me and use my likeness for promotional material or whatever else. They can fuck off with that. The manager actually came in and tried to tell me nobody was going to use photos of me. Okay, then take it out of the contract.
This was on top of the usual, "to cancel, you must send Certified mail via eagle to Mordor with exactly seven stamps all from different sets in a black envelope on yellow paper with the date that we read the contents written in green ink on the outside."