If I choose to "cancel" my account right now so that I retain benefits for the remainder of my paid year but will not be auto-renewed/auto-rebilled at the end of that cycle, can I later go back and choose to "un-cancel" my account and pay or renew closer to when my 1 year is up?

Or is there a way to delete my credit card information off the file and be forced to enter a payment option later at the end of my membership cycle at the risk of having my account canceled if I don't enter new payment info to renew?