Just a quick disclaimer, I don't use auto-sub so I'm not exactly sure what the time periods are. If your auto-sub is every six months then you should be fine. I don't think your payment method impacts on the gifts you get. If you don't get your Lumino with your next 6 month sub via auto-pay, then theres something wrong and you need to take the long process of trying to contact support. However, if you're not willing to take the risk of it not working, then it might be an idea to cancel it and purchase it as you said. Just my two kamas anyway
Best of luck with your new Lumino Krystal!
Thanks! The only reason I put the cc is because I don't use ogrines. I was just unsure and I know in the past sometimes when they've had specials and I've auto-rolled I didn't get the special.