I don't have a credit card but whenever I must have to use a credit card in order to buy something I do the magic trick.
Luckily there are service on the web that allows you to pay with iDeal (some government covered pay system in the netherlands, europe) to that webservice/company and they will pay on behalf for you the money with a credit card system. It is safe because all banks in my country use it and cover it. So when I pay for something I didn't get I can contact them, they will contact their contacts and check it with some international agency and...
Long story short: I pay a company to pay for me. When they don't pay for me the money will magically return to my account. Banks will simply reverse the transfer.
Whatever else happens is some fsckup up shit for that company. *knock knock*