Please see:
http://www.garp.org/membership/member-benefits.aspx
Actually when you successfully registered for FRM exams, you must have ticked an option saying that in future times, you would like GARP to automatically renew your membership via your previously paid debit/credit card. If you do not want this, please proceed to the GARP official website to upgrade your personal information to cancel the automatical payment dues.
In fact, all GARP members/ FRM charterholders are not compulsorily required to pay the membership fee, which is totally different from what you will see in CFA program and ACCA program. The membership fees just guarantee you extra services such as GARP conference, GARP magazines, wider information, etc. As for us students, these extra services are not that valuable.
Surely, not paying annual membership fees will not deprive of your FRM designation. Take it easy! It's not CFA or ACCA or other programs. In terms of this point, GARP seems to show its humanization.
As for your $195 paid, it is likely impossible to call it back, just regard it as lesson and experience.
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