Platinum Trust Card PTC Platinum trust card is a SCAM!!!! Salt Lake City, Utah

I had applied for a pay day loan that I didnt follow through with. My information, including my bank info, was apparently sold to Platinum Trust card whom proceeded to call me relentlessly. Finally I answered the call to be presented with an offer that seemed too good to be true...it was. This is a credit card with an approximate 9000 dollar limit offered to help people with bad credit. I paid 89 dollars for the credit card. If I had not canceled the credit card a 19 dollar monthly fee would have been charged to ensure payments are reported to credit bureau each month. However I was completely unaware through the whole process that this credit card may only be used through their website to purchase items and nowhere else. I was lead to believe it was a normal credit card that can be used anywhere. when I asked if I could use it anywhere like a normal card, the subject was changed, the representative asked where I liked to shop instead of answering my question.

He made it seem as though I could make my purchases anywhere I liked. I would have NEVER agreed to pay for a credit card had I known it was solely for use on a specific website. I was mislead with deceptive and deceitful marketing. I thought that I asked all the right questions as to not get scammed. I am not the only person that this has happened to, there is a myriad of internet postings from other victims of this deception. When I finally reached a representative on 10/1/10 (they took my funds 9/27/10, I had been calling to no avail since that date.) She explained they could not refund my 89 dollars unless the original person I spoke with failed to tell me ..I forget exactly what but it was some vague description of the credit cards uses weather I understood it or not. My question is how could this be legal? Furthermore, is it legal to charge a fee upfront for a line of credit? I should not have to pay for something I was tricked into buying. These people are preying on people that have money woes to begin with. Someone PLEASE stand up for the little guy!!!