Looks like someone spent some money they did not own, then products got delayed and now they can't pay back the interest. I'd call the credit company, maybe they have some sort of grace period, and hopefully you get your refund before then.
@dazzmore,I do not quite understand what you are suggesting. Can you elaborate more? I cannot initiate any returns via banks as far as I know, it is not Paypal. I paid 4 months ago in fiat with an international wire transfer.