First Premier Bank Future Card is a ripoff

Good Morning! I agree with the responder stating that he has been ripped off. I to paid off my credit card on a Tuesday and was told that funds would be availible immediately. We were going out of town the next day, so this was good news to know that we would have this option open in case of emergency. Well, we had an emergency, and tried to use the card, only to be turned down for now credit availible. I called the company about an hour later and was told that when you paid your account off that they put a 15 day hold on the payment to make sure it was good. I Was not told this when I made the payment and furthermore, they did not hesitate to take the money from my banking account. After reading ALOT of comments via internet and other sources, I have since found out that I am not the only person they are doing this to. This appears to be a steady thing for them. I know that this is supposed to help me rebuild our credit, but this is certainly not the way to do it. How are we supposed to have faith that this company is helping us, when we find out that they are not helping us, only causing us more heartache? I know by reading various comments that others have said that if we had handled things properly in the past we would not be in this boat. Well that person had no right to say that, because everyone is not the same. Take us, our problems were not related to not being able to handle money. We had very large medical bills for our child and myself that almost sunk us. I just want others applying for this card to be fully aware and eyes wide open before they get into something thinking one thing and it will turn out to be another.