In March, May and June I was charged over the limit fees for paying only the minimum amount. This 2 out of three times it was because my account being pushed over the limit by finance charges. I paid the minimum charges and didn't realize they would charge me an over the limit fees. The banks also has policies where they charge you an extra $14.95 if you pay your bill online and an extra $4.95 with a delay of 2-3 days. Therefore if you can't pay the $14.95 immediately, you are charged $39. I"m poor and only wanted to use the card... read full review »