“明明只开了一个月，怎么就变成年费会员了？”“说好的‘免费试用’，结果试用期一过忘记取消，直接被扣到2030年？！”

这正是当代年轻人最常见的“破防”时刻之一——月初对账，赫然发现账单里又多了一笔莫名其妙的会员费。

In an age where subscription services have become a staple, a growing frustration is striking a nerve with consumers: unintended automatic payments.

Social media is awash with complaints from young users stunned to discover mysterious charges — like one user who found their one-month subscription had quietly morphed into an annual plan.

近期，“自动扣费”相关话题频频登上热搜，引发了广泛讨论。




话题一出，评论区立马沦为“大冤种受害者联盟”，没有最惨，只有更惨。

Posts containing the hashtag "Automatic Payments" have surged repeatedly on Chinese platforms, with comment sections turning into informal support groups for what netizens wryly call "The League of Unlucky Victims".

“大冤种受害者联盟”

有网友属于“健忘型”受害者，一时疏忽忘了关闭续费；





有的是被会员条款里的文字游戏绕晕，成了“文字游戏受害者”；



还有人稀里糊涂地就开了服务，结果账户每个月都在默默扣钱，直到某天无意中查账才发现。



看完这些经历，网友们纷纷感慨：“天下苦自动续费久矣！”

自动扣费：省心还是闹心？

自动扣费本身并非洪水猛兽。对商家来说，它能提高用户留存率，节省运营成本；对用户来说，也确实可以保证服务不中断，省去重复操作的麻烦。

Though automatic renewals aren't inherently predatory — businesses gain steady revenue and users benefit from seamless access — the system often punishes casual users the most. Many sign up for short-term trials, only to be hit with recurring charges for services they've long since stopped using.



不过，也确实有不少人因为一不留神忘了取消，结果一直被扣费，尤其是那些不怎么使用的功能和服务，这就有些浪费了。

另外，绑定长期支付方式还有可能增加信息泄露或盗刷风险。

Beyond the wasted money, critics warn of deeper concerns, such as prolonged exposure of payment credentials, which could heighten the risk of data breaches and unauthorized transactions.

别慌，这里有一份超实用的微信和支付宝自动扣款关闭指南，手把手教你夺回“钱包主权”！

自动扣费关闭大法

▌微信

打开微信，点击右下角的“我”，然后选择“服务”，进入“钱包”，点击右下角的“支付设置”，按需要选择“自动续费”或“免密支付”的项目，点击相应项目下的“关闭扣费服务”并确认即可。




图源：微信支付客服中心

▌支付宝

打开支付宝，点击右下角的“我的”，然后选择右上角的“设置”，进入“支付设置”，点击“自动续费/免密支付”，在列表中找到需要取消的服务，点击“关闭服务”并确认即可。




“自动扣费”相关的英文表达

既然今天聊到了“自动扣费”，那不妨顺便看看，和它相关的英文表达都有哪些吧！

“自动续费”

auto-renewal

I forgot to cancel the auto-renewal for my magazine subscription, so it charged my card again this month.

我忘记取消杂志订阅的自动续订功能了，所以这个月它又从我的卡上扣了钱。

The streaming service offers a free trial with auto-renewal, but you can easily turn it off in your account settings.

该流媒体服务提供带自动续费的免费试用，但你可以在账户设置中轻松关闭它。

“自动支付”

automatic payment

I set up automatic payment for my credit card bills to avoid late fees.

我为我的信用卡账单设置了自动支付，以避免产生滞纳金。

auto-pay

和“automatic payment”意思相近，更口语化。

If you sign up for the auto-pay option, you'll get a 5% discount on your monthly subscription.

如果你选择自动支付选项，你的月度订阅将享受5%的折扣。

“电子钱包”

e-wallet / digital wallet

I keep my credit cards and cash in my digital wallet on my smartphone.

我把我的信用卡和现金存在智能手机上的电子钱包里。

“余额查询”

balance inquiry

A balance inquiry is a quick way to check how much money is left in your account.

余额查询是检查账户剩余资金的快速方式。

“交易历史”

transaction history

You can review your transaction history in the e-wallet to track your spending.

你可以在电子钱包中查看交易历史来追踪你的支出情况。

最后，提醒一下大家：每月账单日记得检查“扣费列表”，谨防“自动续费刺客”复活！



免费试用前先问自己三遍：“我会不会忘记取消？”



编辑：左卓

见习编辑：裴禧盈

实习生：赵苑如

来源：外研社UNIPUS