Subscriptions
Pre-dunning
Pre-dunning is contacting a customer to update their payment method before a renewal predicted to fail, usually because the stored card expires before the next bill date.
It is strictly better than dunning wherever it applies. The customer is reached while nothing has gone wrong — no failed charge, no service interruption, no implied accusation — and the renewal simply succeeds.
Most businesses do not run it, and the reason is rarely disagreement. Comparing card expiry against next bill date is a query nobody wrote, so the opportunity sits unclaimed in data the business already has.