Do what I used to do (I no longer use XM, have a memory stick with over 3200 songs). Anyhow - use an electronic banking check. I would call before the "snag you" 6 month subscription ended, telling them I want to renew at my current rate. Sometimes the first person could authorize it, otherwise I get sent to cancellation department who can authorize it. So they ask for my credit card number, I verify the correct balance owed (note that they will try to charge you a $2 invoice fee, have them take it off the total as you are paying them immediately by electronic check). So hit send on the check, give them the confirmation number, mark your calendar for a week before your term expires, and start the circus over again.
Eventually I got tired of doing this, made a memory stick for the wife and don't care about XM anymore.
Double Darksider #847
IBA #54767 BB1500+
Who I was yesterday is but a past memory, who I will be tomorrow is in the future. Who I am now and the type of person I am to others, that is what is important now.