no matter what your payment method it can be reported to your credit bureau so debit, cc, invoice it doesnt matter.
If you dont pay Ted, Bell, your library fines, whatever and they send it to collection that does end up on your credit bureau report and it doesnt matter how much you owed it absolutely will f u your ability to get a cc, mortage, any loan.
For cell phone cancellation go to who you want as your new provider, tell them to get your number and transfer it over from Rogers. Service is cancelled immediately once the number has been transfered and is active with your new master.
Cant help on cable or internet, notice period is in your service agreement.