A:Answer The way I also go around this is that the CC I added to the Sirius Account is a Prepaid Amex Account called Bluebird. If the fees are not in the account, they can't get the money and will just flag it for non-payment. They can't take money from me I don't have. I only put the amount of money in the account I needed to pay for the Sirius Account for the year and no more. This is the only thing I use this account for because I know how much of a pain Sirius is to talk to to get them to reverse any charges. If they try to charge me more, its just like paying with the gift cards. This was before I knew about using the gift cards and not even adding a CC account to my Sirius Account. Doing it this way, I have no surprise charges because Sirius just sees the card as a normal Amex card, but its not and so the charge wont go through if there are hidden charges on the account.