Complaint Review: first national credit

First National Credit sent me a acceptance certificate stating that I was already approved for a gold card with a credit line of $15,000. I was going to use the card to consolidate my debit. However I received a booklet, with merchandise to purchase. I also paid them a one time membership fee of 37.00. Needless to say I sent the money and received this booklet with merchandise that could get me further into debit. I now understand this is a complete ripoff. I don't have money to give away, especially to a lazy indivdual that doesn't want to work for an income as I have. I'm very disappointed. I hope they don't have access to my checking account due to the check number at the bottom. rita omaha, Nebraska