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I think $4.95 for 3 days is perfect. Gives them some time to check it out, and cancel if they want.
The $4.95 proves at least a willingness to use their card and not as likely to cancel as someone spending a $1.
The reason you want them to have time to cancel is (like mentioned above) because if they miss the deadline and get bumped to $40 rebill your likelihood of a c/b in probably increasd significantly.
JMHO
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