The avertisment explainted as if this was a Visa Credit Card with a limited of $500.00 and a fee of $29.95 debiting my cheching account. I was miss informed this is a merchendice membership with a monthley fee of $24.95. I applied for the Horizon Visa Credit Card on July 06.2010. I had called customer service and cancelled on July 7, 2010. Management said my account would not be debited. Money was taken from my account on the July 8, 2010 in the amount of $29.95. I would like my refund back in my account. Do not debit my checking account next month.