who knows what this company is about (credit card)

i called this company looking for a low interest rate credit card when i called i talked to a rep she told me a little about the credit card a visa with 14% interest then she says that i would also be getting a merchandise card and a catologe-i felt it was right then she tells me that there was a processing fee of $98 but i would be getting that money back -she wanted my checking acct # i was a little hesitant after a while she convinced me that it was a safe process-soo i went through with it and gave her the info -then she said that she would tranfer to a verifier-i then spoke with the next lady she told me alot more about the process-she told me that i have to by merchandise out of the cataloge before i could get the visa card-i told her that the lady i had spoken with before didnt tell me that-so she tranfered me back to the first lady -she said that she did tell that to me -so politely i told her i might not have heard that then told her to cancel the order,she was upset then said she would then she hung up-a month later i get a charge of $98 to my checking acct -i knew exactly where it came from so i called the company -i spoke with a supervisor named barbara in customer service-i explaned to her the situation and asked why they charge was made when i had asked the lady to cancel the order-she told me that they have it on tape that i wanted the card -i asked her if they had on tape to cancel the card she then told me that she would have to pull the tape-she then explaned to just wait until i received to items then just return them with a letter stating why i didnt want it -i told her that was fine and i could do that -but 3 weeks later i still havent received any thing so i give a call back the 1st person i spoke with i explaned what had happened and who i had spoken with - it just happened to be barbara the supervisor -she just starts to yell at me telling me that she told me to wait until i received the package then return it - immediately i asked to speak with someone else -after a few minutes another lady gets on the phone and i explained the situation to her she told me that i will receive the package when i get it and hung up on me -it has been over a month and i still dont have this so called package--- someone please tell me what i can do or help me get my money back!!!!!!