[housekeeper]

I tend not to see a lot of declines, failed rebills a little more common but not overwhelming. In my experiences the decline will generally prompt the consumer to at least try a couple of times, and I've seen some come back over time.

One trend I have noticed more so is check payments, check payers tend to charge back. I'm of the thinking this may be due to not leaving a paper trail or not wanting the spouse to notice the CC charges, certianly worse than a decline...