In the same boat.
I've held a subscription to this game for years, even though I only played once or twice a year, simply because I wanted to keep the game in business.
A couple of months ago my credit card lapsed, and I neglected to update my account with the new card. Then I heard the news about the shutdown, and naturally want to get in some gametime before it will no longer be possible.
I find that I can't even access all of my characters.
I even have 4800 points unspent. Couldn't I at least use THOSE to upgrade to VIP, since NCSoft doesn't want my money?