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finance charges and over limit with credit cards
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Posted by Marcy (68.102.107.234) on January 28, 2003 at 18:30:05:
I posted this earlier, but it got bumped so far down I am not sure if it was noticed much. Anyway, I have a credit card account with Household, they are located in CA. I am in KS. I was charged an over limit charge this month because my account went a little under 3 dollars over the limit because of their periodic finance charge. I emailed them and Household replied that they could not refund the 29 dollar over limit fee. I want to know if anyone knows of any laws where this practice may not be allowed? Anything I can use in my defense? I thought I had enough money in there to cover the fee and their fee made me go over by so little of an amount. Please help and if you don't know of any laws please let me know. Thanks, Marcy PS, I know i need to bring my card balance down farther, so please don't lecture me about this.
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