I had a salute credit card in 2008, with a limit of 300.00 and I only charged 140.00+ on it, I ended up loosing my job, had the protection called card safe on the card, and it accurded over 400.00 in fees and leaving me a balance over 800.00. Effecting my credit, greatly, it is no longer on my credit report, but the damage has already been done.