I cannot take credit for the title, but I will share the learnings. Rejecting due to ‘insufficient funds’ at the first attempt to debit the RG may be a great indicator for the future behaviour, but this doesn’t mean you should give up on them – everyone deserves a second chance.
Most agency contracts will allow you to claw back your No Shows, but this doesn’t mean that you must cancel the pledge and take them out of the cohort. By all means, claw back the fee as your contract allows, but you can pop them back in for the next month under a new code. A pledge that successfully debits four months per year will still be worth more dead than alive.