USA CREDIT Shopping Club ripoff Union Town Pennsylvania

I joined UsaCredit Shopping Club and found out that when i went to buy something you had to pay for it in full when you ordered it, i can't afford to pay the entire amount of high priced items, i was under the impression that this was a credit card, obviously not, it's a scam.

i needed a camcorder for a business i was starting. every thing in the way of electronics said it was a basement blowuot price, the prices that were list was a way over the price of the same item that you could purchase at Walmart or Target.

fortunetly i have not used the so called credit card yet, the credit card that is not a credit card, but some kind of a credit account.

what a rip off and a scam, how do i get rid of this account?

John
park hills, Missouri
U.S.A.