There are many different types of credit cards. The one you seem to be describing here is typically offered to those with less than perfect, bad or no credit. In most cases, you will get a low limit, say $300, and before they send you the card, they will charge fees to your account so that when you actually receive your card, your available balance is only $75 ($225 in fees). You are expected to pay the $225 within the first month, in order to access your $300 credit limit and to avoid finance charges on the fees. It is not a scam, but if you are able to be approved for a normal credit card, you should try that before opening this type of account.