Many years ago, I paid in full, a lifetime membership to a new gym that was opening up in the town I used to live in. I paid in advance for this "great deal". The gym was suppose to open within 3 months of when I paid. I always pay my Visa balance in full each month...Well, month 1 passed and the gym didn't open, month 2 passed...progress on the gym, but still not open and in month 3, no gym, no one even working on the building. On month 4 I received a letter that the owners went into bankruptcy and that they would repay me my $399, at $10 a month until the balance was paid. I called my Visa company and told them and they credited my $399 and said that is what they are there for. Though this was at least 20 years ago, the policy at that time was customer satisfaction. I would give your credit card company a call and get their advice.