Not mine but this is actually what I did too.
I said I plan to charge back on my credit card. They threatened that if I did that, they can’t promise my account wouldnt be flagged.
I said “bet” and they removed the cancellation fee and cancelled the service.
I don’t believe so, because it never reaches your credit card. You spoof your credit card with a fake number. It can make the payments to privacy. Privacy hands the money to the sketchy client.
It’s basically a self-imposed Man-in-the-middle attack.
Ehen you destroy the man in the middle, your bank and the sketchy client have no means of communicating or can even “see” each other. Your money goes to privacy first.