What I did , when I had issues in the past with a card, I bought a little Crysta regularly when it got resolved . Now I always have 6
Months of sub time in crysta set aside to use if there’s another issue with my card or maybe a period of time when I can’t afford the sub because of a job loss etc. I’m still buying a little crysta and want to have a years worth of sub fees set aside. Set aside a little extra when you have it for the “ lean “ times