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When you do a factory reset everything is taken off the computer and it is like it was when taken out of the box.
Otherwords, everything you have installed on it since you got it will need to be reinstalled.
Call your credit card company and tell them exactly what has happened NOW!! They may not be able to get your $89.99 back, although they probably will, but they can certainly block any future attempts by this company to access your account. Time is of the essence.