I tried to cancel my trial subscription but I couldn't. The payment didn't go through yet (issues with the card). What guarantee do I have that when I pay and cancel my subscribtion is that I will get my money back? I do not wish to use Adobe Stock anymore.
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With issues with your card, you need to contact Adobe customer care to cancel. Self cancel is not possible in that case.
Adobe customer care can be contacted here: https://helpx.adobe.com/contact.html - click the small callout at the lower right of the screen and type "agent".