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’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.