My wife charged on my account and the balance was $6 over the limit. The charge should have been denied, but they accepted it, and then socked me with a $29 over the limit fee.
After interest was charged, my minimum payment was sent in, and my minimum payment was not enough to get it under the limit, so they hit me again with the $29. This happened again, and I called to ask them to be reasonable. I wanted the charges removed. The Customer Service rep, did not, and in anger I closed the account.
My wife called later and the Customer Service rep was rude, but ultimately offered to removed one. My wife asked for two, and we would pay one, because they should have denied the initial charge, and they should have the minimum cover at least what brings your account to under the limit. She then asked for a superviser, who told my wife they "are not in the Customer Service business". He too was very rude to her.
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