No chargebacks not charge offs. You can get dinged two ways. 1. Credit card merchants will note that you have a high rate of chargebacks, it will affect your rating. 2. The seller can easily and will undoubtedly submit a report and put an outstanding sum into collections. Furthermore, in this situation, if there is a lease agreement that is breached then you can be found in default with legal judgement. Those items will certainly affect your debt rating.
My message is... just know the whole story before providing advice that can adversely affect someone. Sometimes your historical experience does not apply to the new.