orchard bank credit card ripoff salinas, California

I initially had to call because I had not received my card in the 14 day time frame.  I received my card on April 17 or 18 but wasn't made aware that my billing cycle started on the 19th of the month.  I tried to make a payment online because I had a returned payment on May 7.  I log in and they closed my account.  When I called the customer service line, I was told that I was 2 months behind in payments.  When I made them aware of the fact that I didn't receive the card until one or two days before they stated the billing cycle ended, they said they counted the day that they issued me the card.  I then told the representative that I had to call on March 29th because I hadn't received the card and how could I be charged with non-payment if I didn't receive the card until one or two days before the billing cycle and didn't have a payment address or acess to online account management.  she said there was nothing that could be done.  I told her I was filing a complaint with the better business bureau in California and New York and that I would recommend no one do business with them.