When I downloaded the SR3, I didn't need a credit card, just the serial number. The flaw in your argument, which you do not seem to want to acknowledge is that pretty much everyone else who bought Poser 2014 has gotten the program up and running with relatively few problems. So the question is, what's different about your situation? I'm pretty sure it's not the serial number.

If you hadn't already sent the program back, there are plenty of people here who would have been happy to help you try to get it running.