Hi Helios,
I can only advise from my experience with RT3 but the dark button there works regardless of engine running or not. Pressing the button for 10 or so seconds should reset the unit (back to the startup logo as if you would switch on the ignition).
Based on what you have tried already, I would suggest to disconnect the battery to see if that helps.
What you need to try to achieve with the credit card is to stop the cd from starting to spin. The old RT3 would then eject the cd as it can't read from it. Hopefully the RT4 works the same way.
Good luck, hope you get it resolved...

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Regards,

Ron

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Previous car: Peugeot 807 2.2HDI Executive, colour RT3
Now: Volvo XC90 D5 SE Geartronic