you will end up with damaged credit. The only negative on my credit report is from a verizon phone I bought from a verizon store (actually ended up not being Verizon owned store,) which i returned within the 7 days return fee, even paid re-stocking fee. But which the store credits me for having returned it later than I did, which allowed Verizon charged me 1 month service fee, which I never got a bill or email even though verizon had both, until it showed up on credit as collection. Nothing I did could get it off.