I had an overlimit fee in February 2009 due to a past due fee for January 2009, which was in turn due to the change in APR - from 14.99 to 23.15. They increased my APR because 'due to current economic condition'. Obviously, they think that we, the people who are suffering from job loss and cut back hours just to still be working, ought to pay for their lost in profits. This is my first overlimit and past due in more than 2 years. I try to keep my payment on time (automatic online payment) and more than the minimum. While I would... read full review »