Whenever I deal with most companies when purchasing a product or service I use B of A's shop safe program. I am provided another credit card number, which has a limit chosen by me and is only good for 2 months. I don't use shop safefor recurring payments. If I want to continue the service, I simply choose another shop safe number when payment is due. True, a bit of a hassle but I prefer the hassle rather than getting involved in a situation such as yours.
I only use my real credit card for recurring charges with a company I already trust, such as my Verizon bill each month. Even then, I watch my statement closely.
Of course, one must have a card issued by B of A to use shop safe.