Credit One Bank How Credit One Bank ripped me of with its fraud Brooklyn New York

I received their pre-approval letter in the mail as well and it clearly states: Credit Line UP TO $1500. The keyword is "UP TO" meaning your initial credit limit could fall anywhere between $1-1500 and in your case $400. It does not say NO FEES, instead it states $0 Enrollment Fee and $0 Over Limit Fees. The APR and Annual Fee(s) are in the back of the letter. Under FEES it states and I quote: "NOTICE: The Annual Membership Fee will be billed to your Account when it is opened and will reduce the amount of your initial avilable credit. If your Account is established with a credit line of $300, your initial available credit will be $225. Annual Membership Fee of $75 First Year. $99 thereafter, billed monthly at $8.25." What's done is done, you should have called customer service as soon as you wanted to cancel the card. Not activating the card and assuming that would cancel your membership fee is not the way to go. Don't wait for things to unfold, be proactive especially with your financial health. Best of luck to you!