> ... but I might be open to Hetzner hosted servers instead for a massive enough cost reduction.
Don't use Hetzner for anything actually important to you. :(
To be honest, I find it hard to believe this is common. They have been around for ages and are quite beloved by many. Maybe something went wrong in this case?
Guess I will find out, think my cc expires soon.
Also, you can pay by bank transfer, at least for dedicated.
A good business would send you a warning a month before your credit card expires, not after the fact.