[xfactorial]

I 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).

[reedf1]

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.

[psd1]

Heuristically, that sounds naive. Actuaries do not typically think "oh, that's enough data". If Experian could track whether you iron your shirts, it too would show up in your credit score.

[reedf1]

I mean possibly. I interact in the space and there is almost no information in a cancelled subscription. There is more information in how much you spent on takeaway.