do your lights say ebay on them? my credit card says wellsfargo on it.
it was my first ever credit card, too. i started it as a prepaid card when i was 17. i gave them $300, they gave me the card to use. after a year of establishing my credit, they mailed me back the $300 and let me use the card as an actual credit card.
they've made plenty of money off me and that card by now, and they could have had $5 of my money if they cashed my check, but they refused because i won't sign up for their ripoff checking account. so walmart will get $3 from me instead.
seems like a dumb move by the bank to turn down my money because they want to rip me off harder.