Conflict with Pre-paid credit card company. What can I do?

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I'm a international student in doing english study in netherlands, sorry i dont speak Dutch. The conflict is about a payment with VIABUY pre-paid credit card company. I have applied a credit card from that company online. it was very a easy order, and didn't mention anything about payment. they didnt have my signture and didnt ask for my bank card (it says no issuing fee) after i finished the order, the first email I got after that was i have to pay three years annual fee in advance, which is about 90 euro. the three year fee payment was hidden in some small little word i didnt want to pay for that and i didnt take it serious. after several month, i got a bill from a collecting company. and threaten me that they will charge me. now I'm looking for your help. is the credit card company doing a fraud? what can I do if they charge me. i'm planning stay in Netherlands after my study, would this conflict influence on my visa? I would be very thankfull if you can help me with this.

zaterdag 21 maart 2015