<human>: Can you provide a brief rundown of the text in within 3 sentences?

I bought a phone last year from best buy Mobile and the rep there convinced me to get a geeksquad protect plan to fix my phone if it broke (I'm pretty clumsy I thought it would come in handy). Well, my phone has a problem that happens at random. Brought it to the store and they said they would only fix it if they could replicate it (they probably cant) and that they would need to factory reset my phone so I would lose everything. Guy told me basically I'm SOL. So I'm pretty pissed at this point, I try to cancel the plan and now they say I can't cancel until NEXT YEAR. One thing I found in the contract though was that if I didn't pay them for three months they would just cancel it. Should I do this or is there a better way?
<bot>: Geeksquad protect is shitty,  they won't cancel my plan. Would just not paying them hurt my credit?