alt Hacker NewsI some countries, however, this may penalize you, credit score wise or whatever.
This option, in my opinion, should truly be the last resource, after exhausting (and documenting) every other route.
Very important: public routes, like Twitter Support, even better (make sure every step is traceable if the only option left is, indeed, blocking debts on your credit card).
You haven't signed any agreement or opened any lines of credit - I would be amazed if there was any jurisdiction in the entire world where this would affect your credit.