Has money to buy many dumps, but not to pay me even $400 for last deal we do, always says tomorrow, use escrow if you want to try this guy and keep logs etc, or go elsewhere.
Have other solution for you, in Philippines banks are very secret even to their own government when you open foreign currency account. Can opened accounts in any fake identity, and very minimal deposit required.
So, basically guy take 40 dollars and not give service because his family was starving, then when confronted he make temper tantrum like 1st grader nigerian.
In any country you fight hard enough and refuse to pay credit card bill, you wont lose if are victim. VISA and MC etc have their rules for this.
Anyways people dont need credit cards.