The trend these days is for companies, such as antivirus or web hosting ones, to encourage you to sign up for automatic renewal by using your credit card. They claim it is for the good of the customer so his antivirus updates do not expire or their domains do not lapse.
I do not like automatic renewal. Period. I keep track of these end dates and also get notified by email when the product expires. Too many stories exist about how hard it is to end automatic renewal with a company, regardless of their reputation. So I say no to these offers.
Doug