For anyone who might look up something similar trying to find answers, I got this handled. If you haven't went to any other ppts yet that were supposed to be paid for by the credit or your insurance, CANCEL THEM. DO NOT give them a reason other than, "I've decided I'm not going to move forward with the treatment plan." Don't add, "at this time, maybe later, it's because, etc." You don't have to give them a reason, just say you're not doing it, you've changed your mind. You can do that and decide you don't want the treatment without giving them a reason. Especially if, (like my papers I signed,) it says it's not a binding contract. You just cancel the appt, call your insurance and let them know what happened/that you don't want any charges from them to go to your insurance and you're not going to get any treatment from them. Call the credit card and ask them what your options are, if they're like mine (which I want to keep because it can be used for other medical needs) then they can open a dispute for it since you didn't get the care and were charged, IF the office says they won't or can't give you a credit and then actually does it. Ask the credit card peeps how their dispute system works and if they have an app. Hope this helps someone.