I had that happen (an empty, sealed box with nothing inside) and started a chat and they refunded me right away without question. I think you just gotta get lucky with the right support rep.

I still have two stuffed monkeys I “won” from that site, from when I was young and stupid and didn’t realize I was probably paying for them with my personal data.

I’ve got a high credit score and I’ve never not paid it off in full. It’s only really ever went up over the years, with the occasional tiny 1-3 digit drop. I’d never pay interest I don’t need to in exchange for a higher rating; they’ve got enough money.

It’s really weird how with gaming reviews in particular, people seem to demand uniformity. You’re a shill if you positively review a game that’s mostly reviewing poorly, and a hack if you give a game that’s reviewing well a number that isn’t high enough.