FirstUSA let me carry a credit line of $8, 500. I paid this off and started charging again.

So, to reward a good customer they reduced my line to $4500 and started charging a $29.00 over limit fee.

When I questioned this they told me that it was too bad that's just the way it is. This was by phone and e-mail.

Beware, FirstUSA claims they will give you the highest credit line possible.

They only want to get you hooked. Then they stick it to you regardless of your record.

Never late on any of my credit cards, all of a sudden I am, according to FirstUSA credit card, late on 2 payments.

So the penalty is $35.00 for each late payment, plus a hike to 22.99% interest.

I have a 5, 000.00 credit limit and the minimum payment I have to make is $100.00. Most of the time I double it, but now am paying minimum until I get this thing resolved.

I was not late, not a day and now I found out just how crooked they are.

My bill came back. Hold on to you hats! Out of the $100.00 payment, 46 cents went towards the principle. $99.54 went to the interest!