Legal Question in Credit and Debt Law in North Carolina

I assumed you tried to clear it up with credit card company. Write them a letter and send it certified mail detailing the issue. If you can;t work it out, you may have to file a suit.

Also if you are looking for free help - possibly call Clark Howard and see if someone can help you (clarkhoward.com)

What caused you to be over the limit? Something had to have triggered this. You can try writing the credit card company at the address on your bill for correspondence. I would offer to do this for you, but given your circumstances, I question whether you would be able to retain me.

You can explain what happened and see if the credit card company will remove the over-the-limit fee. If they do, great. If they don't then pay enough to get your limit back down under the fee as soon as possible. You could also see if they would raise your limit, but I doubt they will given the current economic climate and given that you just got funds from them. It was probably an accident of timing and they were going to lower your credit limit anyway. These are junk fees that the credit card companies make up so they can earn money. And they are designed to penalize you for charging up near your credit limit.

You can also try Clark Howard at www.clarkhoward.com to see if they could assist for free.