Your account enters into a suspended status if you do not have the crysta or funds to pay for the subscription. I believe seeing somewhere an aclaration from a mod. that stated you'll get the bonuses if you sub, lets say, a week or two after your free trial has ended. It may not be available in the future (1-2 months from now) since it is an incentive to get people to subscribe.

If you set your account to auto-renew with credit card, then it will charge you automatically every X period of time you set (30,60,90,180 days). And once it charges you it will give you the rewards according to what time you have chosen (paid) to subscribe.

If you want to avoid auto-charging, I'd suggest using the other payment methods, such as PayPal.