In reply to:
So I am thing to ask my money back, but I payed with credit card, and I just read that credit card money back is not offered, what now?
I don't know where you read that, but either it is incorrect, you read it wrong, or you misunderstood it.
According to the DreamHost 97 Day Money-Back Guarantee, using a credit card, or Google Checkout is *required* in order to get a refund under the terms of that guarantee:
"If you decide - within the first 97 days of your time with us - that DreamHost isn't for you, we will gladly close your account and refund any payments you've made to us within those first 97 days.*
...
* Credit card and Google Checkout payments only. Excludes domain registration fees, bandwidth overage charges, and dedicated server payments. Refunds not guaranteed for accounts found to be in violation of DreamHost's Terms of Service or Anti-Spam policies."
In reply to:
Should I stay or should I go???
Well, that's entirely up to you, but you should qualify for a refund if you decide you want to go. 
I like it hear, and have found no performance issues that have been other than temporary in nature, and I've hosted here for almost 10 years now ... I like it at DreamHost a lot, and would rather work through any temporary performance issues that go with another host that is less flexible and offers less.
I also like doing business with DreamHost, and have found them to be honest, professional, and considerate of my needs while providing outstanding value for my money - hey, YMMV 
Have you contacted tech support and asked them to investigate your performance issues? If not, I'd suggest you try that before making your decision. It could be that a "bad neighbor" on your server is responsible for your performance issues, and your needs might actually be met if DreamHost is able to track them down a curtail their overloading of the server you are sharing.
Of course, DreamHost is not the best choice for everyone - some sites just require more resources (CPU/RAM)than a DreamHost shared account provides, and some sites may benefit from a different MySQL infrastructure.
Fortunately, in your case, you have a choice with the availability of the Money BACK Guarantee ... partly *because* you paid with your credit card. 
--rlparker