Welcome to the Q&A Forum

To clarify a couple of those points for you: If you have earned over 500 points on your account over any time period, you are eligible for full access to Q&A to respond and ask questions. Accounts are reviewed for this access on an account-by-account basis. You keep your ID/username no matter what level of account you have (free, pro etc.) As all accounts are subject to a review, if you have concerns or questions about this it is well worth getting in touch with someone at the Moz team, they're incredibly helpful and will be able to let you know what your options are.

you won´t be charged until that date... moz will also send you a reminder that they will charge you on xx ... so you can decide to close your account or to keep it...  very comfortable...