At the very least, this posting is a bit misleading/lacking in detail. Just taking Netflix as an example, there is no such thing as a "lifetime membership", so giving the OP the upmost benefit of the doubt, the only possible "personal method" that would allow you to keep your Netflix account but not pay a monthly fee would be if the credit card information was replaced with that of another person.  Normally when this type of service is offered, you are given new credentials as I think everyone knows it's a bad idea to provide personal account information like this.