I had a nightmare with an over charge on a Wellsfargo credit card. a fifty dollar over draft turned into an 800 dollar payment. I was young and naive. I assumed I would be told "this credit card is maxed out" when I reached the limit. Then there were over charged fees I was unaware of and it was a nightmare. I ended up moving in with my grandmother and paying them 500 dollars a month to get the card taken care of. That was ten years ago and this still shows up on my credit report :(.