With respect to AWS, the answer is "eventually;" they try multiple times to reach you first. First they'll suspend your account before deleting everything.<p>There's no "dodge their calls indefinitely and thus win free service for life."
Had an issue with our credit card on Azure. It had been maxed out on unrelated charges and could not process for Azure.<p>Microsoft waived the fee for the month, in the region of 100s as a good will gesture. However, they did warn us to resolve the problem before the next billing cycle or face service disruptions.