LJ, itself, turns off automatic payments when they do the permanent suspend - they did it for me - even sent a letter stating the same.
Even if they didn't, a suspended (permanent or otherwise) user can still sign into their account, even adjust their user info, last I checked, read "some" notifications, and presumably adjust payment option if that were necessary - just can't post or comment while signed in.
Heck, the permanently suspended user can even sign in to manage their communities, if those were not also suspended - I had the strange pleasure to sign in as a suspended user, and approve myself, as a member (with a new lj) of the community I'd created (before it, also, was suspended), lol, even made my new self the maintainer of the thing. This may be why they endeavor to delete one's associated communities at the same time, now.
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