XM Radio debits your credit card a month in advance. I cancelled my account 12/22/2009 as I traded my auto 12/21/2009. After at least a dozen hour long phone calls and literally hundreds of emails, they finally cancelled my account 01/25/2010. They refuse to refund my account in full from 12/22/2009 to 01/25/2010 (which would actually be two months as this account is advance-pay). After multiple emails back and forth and multiple phone calls, I still do not have my money refunded. They refused to put a supervisor on the phone. They refused to... read full review »