Overlimit fees and Past Due Fees

by Martha
(North Carolina)

Is there a limit to the amount of fees a credit card company can charge above and beyond the actual credit limit? I have a credit card that I've been paying on since I was 19 years old that has a $1,000.00 credit limit. Of course, I reached that limit and couldn't pay it back, so the late fees and overlimit fees started piling up. I am now 32 and still paying this card, which currently has a balance of approximately $4,000.00. Any help you can offer would be greatly appreciated. Thanks!