Alas you do not get the option to refuse to pay. They keep your credit card details and charge every month.
You're then stuck arguing with your card issuer. In the UK for example, you're shit out of luck unless the transaction is > £100 where the card company becomes 'jointly and severally liable' which allows you to pursue them instead.
Obviously this varies so it all depends on where you are and where your card was issued as to how much chance you have of 'refusing to pay'.
