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.
The best thing is that you do not need some crazy cryptocurrency for this functionality. You can just use bank transfer.
Can’t like, both banks involved 100% see the transaction tho? That’s different from Monero where no one knows that