SALE REP.CALL ME WITH CREDIT CARD OFFER, I DID SAY YES TO WHAT I WAS OFFERED OVER THE PHONE, BUT WHEN I GOT THE CARD AN THE CARDHOLDER MEMBERSHIP AGREEMENT. AFTER READING THE AGREEMENT ONLY TO REALIZE WHAT WAS SAID TO ME OVER THE PHONE WAS TOTALLY DIFFRENT.I THEN CALL THE NUMBER THAT WAS LISTED ON THE FORM, I WAITED ON HOLD FOR TEN MINUTES BEFORE COSTOMER SERVICE AGENT CAME ON THE PHONE, HE THEN ASK ME FOR SOME PERSONEL INFORMATION AN I TOLD HIM I DID NOT WANT THE CARD, HE TOLD ME TO THROW THE CARD AWAY AN HANG THE UP THE PHONE IN A VERY HOSTLE MANNER THEY TOOK TWO HUNDRED & FIFTY DOLLARS FROM MY ACCOUNT, I WOULD A FULL REFUND . I THEN CALL MY ATTONEY