To offer a different opinion, I doubt you are out of luck.

Simply contact support and let them know what happened. Not here, in the Technical Support forums; open up a support ticket and explain what happened.

Most companies are reasonable when it comes to this stuff, especially if the charge just happened, and they can also verify that your playtime since the charge is nil. And that means, of course, you don't play until you get this resolved.

Good luck.