If you can't resubscribe to pay for your retainers then you also can't resubscribe to use the items, unless you plan on giving them away to friends or FC.For those whose accounts are at risk and currently subscribe to extra retainers on the mogstation, I would recommend clearing out their inventory as a precaution.
If your sub lapses due to your card being declined, you will also lose access to those retainers. Depending on which options for payment are closed off to you, you may literally be unable to access them ever again.
Retainer inventories do not vanish when you stop paying for them.
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