Complaint Review: First National Credit Card

In an effort to get some credit established for myself I applied for the credit card from FIrst National Credit Card titled Legacy Visa... I knew I would only get a low limit which was okay cause that would be manageable for me as a young married person.

As soon as I got the card with only a $250 limit I went to store to make a few small purchases for kids Xmas shopping totaling less than $30...the card was declined and I was very embarrassed having to leave my items on counter at the check out.

I tried calling the number on reverse of the credit card
and only got a recording stating next payment of $30 due
in one month and outstanding balance of $195.00, available credit of $10! Then pressed number option to speak with a customer service rep. and got recording no one available call back another time. What the hell is this all about?

A red flag went up in my head...I have just been scammed.. without even using this dam card they are stating so many finance charges and fees due that now I am deeper in the whole without even using this card at all!! I was aware about an annual fee of $50 but what in the world is a acceptance fee ($119).. and participation fee ($72 annually) a processing fee and additional card fee!!! As soon as I can get some one to respond to me in writing or talk to someone on the phone I can get back to this website and report if they can explain to me how this is legal ......and how they can sleep at night!

Dianne
Myrtle Beach, South Carolina
U.S.A.