Complaint Review: American Credit Solutions

just last week i got a postcard in the mail telling me that i was pre-approved for a unsecured credit card. i called and called and for the longest time the phone was busy, then finally i was able to get through. i gave the person on the other end all of my information and she explained to me that i would have to pay $199.95 from my savings account (because i don't have a checking account) but i would get it all back after i spend $99 and pay it back in 90 days. So, i was just thinking, "hey, today is my lucky day" yeah right. The woman also told me just for signing up i would get a 35mm camera, 100 rolls of kodak film and a book of grocery coupons worth up to $500. I was in shock but she then told me that i was approved and once they take the $199.95 from my bank account it would take 21 business days for me to recieve my card and my package.

It hasn't even been a week yet and i want my money back. I don't make that much money to begin with and this makes me very upset. I am very glad that i decided to read these ripoff reports now. I hope something can be done about this. All i want is my money back. Can i get some help somehow?

Gina
New Bedford, Massachusetts