@Glam4ya, thank you for reaching out. I do understand your frustration and we certainly do not want you to feel this way. The secure credit card does have an annual fee that was provided in the credit card agreement at the time of the account opening. This fee is charged to the credit card at the same time each year. This type of credit card is secured with a certificate of deposit and per the credit card agreement, does require the funds to be applied to any balance on the credit card at the time of account closing. The remain funds are then provided to you based on the form of deposit you requested. It appears you had requested the funds be deposited to your savings account. Due to security and privacy restrictions I am unable to provide account detail information specific to your account via social media, however I am happy to forward your feedback regarding the process of closing a secured credit card. If you have any additional questions please do not hesitate to reach out. Thank you.