Am I the victim of an incredible deception ?

I ordered a Xbox Live Gold 6 Months subscription for R545 on the 27th August. The amount was deducted from my credit card, and I did not received the electronic voucher. I followed up immediately with Support on the site and was told there may be a slight delay. I subsequently purchased another voucher directly from Microsoft which took a few pain-free minutes to accomplish. I followed up on Thursday the 10th of September and Incredible's support agent said I should receive the email in a few hours. 3 days further and still nothing. I appreciate your "no refund" policy but surely that falls away if you deduct money from my credit card but are incapable of providing the advertised service. Pity I cannot give this business zero stars, that would be a more fair reflection on the complete lack of service or delivery.