I am trying to build my credit back and up have myself a more positive credit score. I was happy to be able to get a credit card and understood I would have to pay to have the credit. I received my card, call the company to activate it, paid 258.95 the 8.95 I was told would be credited back to me. I stated to them I would just mail a check of 250.00 and pay the 41cent stamp. But the guy insisted that he would credit it back to my account and would not charge me. Well that was last Thursday, the money has cleared my bank and I still only have a credit limit of 50.00. My credit score has dropped since getting this card, it is because of the available credit of 50.00 needs to be higher. I called continental finance today and was told they don't clear the balance until 7 days after the payment in case I cancel the check or if my check was to bounce. Ok well I explained to her it was an EFT and it has gone through, the man I spoke to never mentioned a 7 day hold, if that was the case I would of never paid 8.95 and got ripped off by this company and said well that was it. She then continued with her spell of well did I satisfy all your credit needs today... I replied no you didn't but can't do anything about it now, you have taken my money which I will not get back if i decided to close this account, and then my credit score I am sure would drop even more if I closed the new account. So I am stuck with this company cause they now have 258.95 of my money. It sucks that you have to have a credit card to build credit. If anyone has any other ways of building good credit please let me know. I hate credit card company's now cause they just rip people off. I am a stay at home mom so I am trying to reestablish my credit and keep it that way just in case one day I am by myself.