Hello, I am in the EXACT same spot, my credits ran out this month but I have 1 year left on my contract. I have NO intention of leaving Directv, so I called up Directv and I said "cancel" and I got a wonderful lady in retentions. I simply told her that I absolutely LOVE Directv but my bill felt a little bit high, I didn't want to be a bother but I wondered if she could help me out at all. She immedialtely said, sure I can take $10.00 off per month for a year and give you a free gift of showtime for 3 months. I said that is very nice of you, but I don't want the 3 month showtime trial, she said it is NOT a trial it will show up on your account as a "gift" and just falls off after 3 months. I said, well in that case thank you so much for the discount and the free gift you have been wonderful, and that was that. So that is how I handled mine, even if she had said no I can't do anything I wasn't going anywhere anyhow so I had NOTHING to lose