My father did the same with a timeshare in Mexico. Every time he called to book a room they were full, even booking 8 months out. So he just stopped paying for it. They got mad and called him several times over the years.
Finally he said ‘Fine, I want a room in 3 months time for 2 weeks. I’ll even be pay all the owed fees.’ “sorry we’re full then” ‘Ok, well then I’m never paying you a dime, stop calling me.’ that was that.
As far as I know his credit was never hurt, but he’s also got amazing credit so maybe it was enough to offset that hit.
The planet continent shape is the down low finger circle ‘made ya look now I punch you’ shape