unimportant customer

I looked to this savings account credit card because I was an irresponsible young adult and ruined my credit from the get-go. My husband had quite a good relationship with this company so I gave them a go. I didn't read the fine print enough to realize that there was a $35 annual fee and only came to the knowledge after 4 years of membership (Obviously my mistake for not doing my due diligence). It was upsetting that it costs me $35 a year to help pay their company bills when they already had $200 of my money to let me use their company to build credit. I feel used and taken advantage of. The biggest push of my emotions came because I was preapproved for an actual credit card for 10x the amount of the credit limit I was given by Orchard. How can a company I have no standing with offer me such a large amount of money when the company that's had my business for 4 years with no issues/late payments/account discrepencies hasn't even tried or offered to bump my credit limit? And then, while I'm closing my account, I instruct the Orchard account specialist to rectify my account balance and send me the remaining money so that I would no longer need to hassle with this card. But, in true "I'm not paying attention and don't give a crud enough to make this easy on you" attitude, I receive a check for the entire amount of my original deposit when setting up my account. Now I have to take extra steps and trips to my bank and Orchards website to rectify my account so they don't urinate all over the credit score I turned to them to help me with! I am furious beyond communication!!!!!!!!!!