One of the most bothersome credit card fees that you can face is the over-the-limit credit card fee. Unlike most other credit card fees where you pay one time for the offense, after you breach your limit, you can end up paying this fee month-in and month-out. Once you exceed your credit card limit, the over-the-limit fee is an automatic, computer generated fee that will be applied to every statement until your bring your credit card balance below your limit. While these fees typically range between $25 and $35, they can be as high as $40. This means you will be paying $300 - $500 a year for this fee all by itself.