THey auto renew to the CC. It's how they keep you using it at least once a year to avoid not using it and closing it for non-use. Don't worry they'll collect their membership fee
Great for that 86 pack of jumbo Charmin as well! You'd be set for a year! $10K? Sounds like you need a miracle call to CS @ 877-379-8173
They may talk funnier than we're used to but, they sure can approve you for that $25K limit you're looking for. I only had luck dealing with the overseas team when the US team wouldn't budge for years. Now the membership fee keeps the card active since I've been working on Dsico / AMEX for the past year and a half to double that wretched Sam's MC!
FWIW if you want you can also disable the auto-pay for the membership.
I have mine disabled so I can pay in person and take advantage of the Discover Deal for a $10 gift card at renewal.