Continental Finance/ 1st Bank DE what a rip off putting this charge off on my credit report after account had been close for 6 years. Newark Delaware

To this day is account has hunt me after I request that they closed it I pay off my balance. I guess I did not  pay it with there timely fashion so now I read through NY credit report to see that this account is posted big as day. I received 300.00 dollars and end up paying 529.00 who does that they send you the card caues they target first time card holders not knowing that you will be a easy bait and target the minute you activate that card. before its over you will he paying at least 3 to 4 hundred dollars back to them and that's not including the original amount that was given to you. Now I am have to deal with this on my credit report for the next 2 years. I am truly disgusted with ripping me off from up under my noses . if I knew what I know now I would have never accepted the offer. watch out let the younger generation know that is in your family do not fall for there trick cause in the end you will pay is suffer from your credit score will drop dealing with these people that rip people off then you will have to face the challenges of either paying all that money back or messing tour credit up. What a chose that you have I would rather not deal with these types of company and just deal with my bank . Rip Off Company is out to get you.