I RECENTLY APPLIED FOR A 1ST NATIONAL BANK MERCHANT CARD CREDIT CARD. NOW THEY SAID I CAN USE MY MEMBERSHIP CARD FOR CATALOG PURCHASES AND ILL GET A CREDIT CARD AND A CASH ADVANCE CARD IN THE MAIL. IS THIS ALL TRUE? OR SHOULD I BACK OUT NOW? IS THE CREDIT CARD IM GOING TO "GET" LIKE A MASTERCARD/VISA CARD? I HAVE BAD CREDIT BUT NEED A CREDIT CARD TO HELP OUT ON THINGS NEEDED RIGHT NOW, (LIKE CERTAIN MEDICAL THINGS) CAN ANYONE ANSWER MY QUESTIONS?