I erroneously signed up for auto-renew with Cyberghost.  Some how I missed any way to turn auto-renew off.  Sure enough, right on schedule, my Cyberghost subscription was renewed for another year.  I contacted them via their support chat system.  The only apparent way to contact them.  I was told it would take 1 day to receive an email confirming my request for cancellation and a refund.  And that the refund would take 5 - 10 days.
I explained that that was unreasonable as it took minutes for them to charge my credit card.  But it would take 5-10 days to refund the charge.  The contact named Joey didn't seem to think this was extraordinary.  I'm sure if someone took $66 USD out of his paycheck he would be upset too.
To-date I have seen no email from Cyberghost confirming my request for a refund and cancellation of my account.  Instead I got an email welcoming me to their VPN service for another year!
I will contact my bank and they will reverse the charge.  Thus, thwarting Cyberghost's attempt to steal money from me.