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I don't think Mailchimp is doing something unusual here.

It's like asking not to be charged by your ISP because you're leaving for a 2 months vacation. You either cancel it completely or be charged the same monthly.

PS: There are much stronger reasons to not like Mailchimp, but it's beyond the subject of this post.

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This is definitely the case with ISP's but mailchimp is in a different space, It's a web service and it's common to suspend your monthly plan

The OP clearly wanted to cancel completely...

He clearly didn't.

...wanted to stop sending emails (and stop paying for next month) until I can afford it and then jump back again.

and

...so my idea was to stop sending emails until I can afford it and then start sending emails again.

Right? So he wanted to cancel completely.

To stop using the service entirely is to cancel. He wanted to stop using the service entirely so therefore he wanted to cancel completely.

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