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That is a great question Bill! Best Buy Totaltech™ is an auto-renewing membership, and a credit card is required so that your support and protection benefits are uninterrupted. You may cancel your auto-renewing Best Buy Totaltech™ membership at any time, and we’ll send a reminder to the email address on file prior to charging your credit card. You can view all the details of Best Buy Totaltech at www.bestbuy.com/Totaltech
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