LOL...I hear ya bud and can fully sympathize with you...

ALL credit card companies BLOW!...you get close to your limit and for some reason you have trouble making the payment on time then they hit you with a late fee which in turn then puts you over the limit so THEN they also hit you with an "over the limit fee" and before you know it your next payment is merely covering these extra charges IF that and it can start all over the next month due to interest throwing you over the limit again and another over the limit charge...it's a vicious circle...then to top it all off...they raise your interest rate and call it a "punitive interest rate"...UGH!!

It really makes sense doesn't it??...someone is running tight and has a problem making their payments so what do they do?...they charge you MORE!

It's basically legal loansharking.

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It's not a loss until you SELL.