Re: All those precautions and 'they' left out the most obvious one
This can happen, especially with the AA.
It's not a direct debit, it's a continous payment authority, and it can roll over even when your card expires.
Happened to me, and it's a very real thing. More info here:
This line in particular explains it simply: "If your card expires during the course of your CPA, you should check with the retailer whether your new card details have been automatically updated with them, as this will not always be the case."
In other words, the bank informs the merchant of the new card details - without any action from the cardholder.