I recently wanted to change an Airbnb reservation I made a day before and discovered they have a policy where you can't cancel once you reach 30 days before the stay. I contacted my credit card company and cancelled the charge with no problem. They just asked if I knew there was a no cancellation policy, which I didn't. Don't know if doing this would hurt your credit, but it worked out for me. In fairness, afterward I contacted Airbnb and they did cancel the reservation.
I'll add hotels.com as a booking website where you can cancel up until the day before.