Well i never had a credit card before and didn't really want one, everyone was telling me "you'll need a credit card if you want to buy a house some day". So i went with usa gold credit card.
I had tried other credit cards but they wouldn't approve me. Usa made it easy and approved me. They told it would just be 149.99 and that i would get the money back with a mail in rebate certificate.
I had found their web site once and everything was so expensive that i didn't buy anything. With the certificate it turned out that i could only use it when turning in my first bill.
I went to cancel and only found rip off sites about the credit card and now i don't know what to do.
If i cancel i have unauthorized charges and if i don't cancel i have a 9.95 fee for the rest of my life. Im thinking that if i close my bank account the bill will start to add up.
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