@belch29 just take your credit card off your account and if your available funds is 0 then let it go past renewal and it says on top of the overview page pay by this date which is 90 days from the last day of your active plan. Don't wait till the 90th day to pay back on your account to activate it incase you have trouble
Once your plan is no longer active, you'll have up to 90 days to reactivate it again or you risk losing the account and phone number.
You have 2 options:
1. You can remove AutoPay from your account. It also depends on whether you have any money in your Available Funds.
If you do, then even removing AutoPay, your plan will still renew if there is sufficient balance in your Available Funds to cover the plan renewal.
2. Reporting your phone lost/stolen. Your phone service stops immediately and the countdown on your 90 days begins.
To do this, logon your Self-serve account, go to "Plan and Add-ons". Select "Lost/Stolen phone". Click on "Suspend Service" button and confirm
Upon your return before the 90 days are up, log back in and click on "Resume Service"/"Phone found".
Btw don't wait until 90 days to reactivate, you should always give yourself 10 days or more window in case of unforeseen issues.