Credit One Bank Rip Off Credit Bank Nevada

Received a offer for a credit card so I decided to fill out the application and see what happens.  A little while later I receive a credit card with a $400 limit.  I put it in a drawer and forgot about it.  Well, I then get a bill in the mail for $75 for an "annual fee".  I was surprised but I probably missed it in the fine print when I accepted the offer.  Well I go to the website to pay the insane fee and to cancel the account and there is no where to cancel it.  Then I try to pay the bill and for me to use my PayPal debit card they CHARGE $9.95.  Can you believe that?  They actually charge me for me to give them money!!  Insane.  Well I wrote on the paper bill that I received that I wanted to close the account, that I am paying them ZERO and that they can sue me for the $75.00.  What a rip off!!