So I have a quick question, I have been paying my subscription quarterly for 2 years. It has not been an issue until a few days ago, my credit card won't let the transaction go thru. Here's my question, how do most guys and gals re-up their subscription. Should I call my credit card provider to ask why , would it be an awkward question.

And tell them the purchase is allowed .... I had the same issue cause the ter CC processor is overseas... I had to verify with my CC company that it's okay... Or use the Giftcard system ter offers....

I started writing reviews.  My CC statement always showed the vendor as CCBill, which I believe is a European payment processing company similar to PayPal here.  Sometime, the mere fact that it was an overseas transaction will trigger a "fraud hold" on a transaction until the contact the CC company and authorize it to go through.  Since many businesses use CCBill to process payments, it should not be awkward to talk to your CC company about why the charge didn't go through.  They are not going to know its TER unless something has changed in the last few years that I'm not aware of.  

Auto pay stops if that happens. Check exp date?

...have to go to buy VIP each time to purchase quarterly.

There are lots of ways to earn free VIP days, most of which don't even involve writing reviews.  I haven't written a review in years and have about 1,000 VIP days in the bank.

What are these other ways?  The only I knew about was writing reviews, and I've done that to help subsidize the fee.  

What are these trouble reports I always here about. How do you do this?

Click on it and you'll get a form on which you can explain which of TER's many posting rules you believe the post violates. If they agree you'll get a note back in your "Feedback" section that says "Thanks. +2."