I have been using Nord Vpn for many years. Every time my subscription ends, i contact them for a new 3 year deal. But i make sure i access my account afterwards and disable auto renew.
If you do not disable auto renew, and despite your credit card, that may have
expired, they will still debit the card you last paid with.
And if the card you hold at the time of renewal has been renewed by the bank, the bank will still authorise the payment, even if the cc number/ expiry date/civ number are all different.
And of course you will pay their advertised rate of subscription. It is better at the time of renewal to negotiate a subscription and length of service.
I have also tried out express vpn and Surfshark on free trials. But, personally Nord leaves them behind in reliability, features and coverage. Plus they have excellent support. And there were reported issues on the internet with Express allowing certain organisations to their data base and logs of customers. But the jury is still out on that in peoples minds.
And that is another story, which i really dont wish to enter into debate here.
And before anyone thinks otherwise on my review, no, i dont work for Nord vpn nor receive any benefits for writing the above.
Every person has a personal preference, and this is mine. Viwers may differ, but thats the beauty of this forum. Everyone has different experiences.