I ran into this issue several years ago and found a loophole without having to cancel my credit card.
When I was going to college I took advantage of the student discount for the full Creative Cloud suite. After a few years, the discount was no longer available and Adobe started charging me the full $60 a month. I didn't have the $720 needed to cancel my subscription and I just lost my job. I ended up downgrading to the Photoshop + Lightroom subscription since it was $20 a month instead of $60 and I didn't want to cancel my credit card. I found out after reading the subscription confirmation email that in their system it treats a subscription change the same as if I was signing up for a new subscription and I could cancel it and get my money back.
When I was going to college I took advantage of the student discount for the full Creative Cloud suite. After a few years, the discount was no longer available and Adobe started charging me the full $60 a month. I didn't have the $720 needed to cancel my subscription and I just lost my job. I ended up downgrading to the Photoshop + Lightroom subscription since it was $20 a month instead of $60 and I didn't want to cancel my credit card. I found out after reading the subscription confirmation email that in their system it treats a subscription change the same as if I was signing up for a new subscription and I could cancel it and get my money back.