There is a potential problem here. I have posted elsewhere about changing credit/debit cards due to expiry or loss. Any new card will not have the same numbers on. Any old card details held on file by someone will no longer be valid.
I have in the past complained to the card companies about the practice of someone holding my card details on file. According to VISA this practice, whilst not disallowed is frowned upon for the reasons I have given. They told me at the time that any company should seek your permission before charging anything and that confirmation should be sought that the card details are still valid.
Some car insurance companies are guilty of this and will attempt to claim money from your account at renewal time.
I always advise people when I give my card details that I do not give permission for my details to be held on file - gets some funny responses but better safe than sorry. It also saves a lot of hassle when they do it by mistake trying to get your money back.
fwh