I have a credit card with Providian Visa and it has been over the limit since last year. Every month they tack on a $30 over the limit fee and my balance grows and grows because I have only been paying the $25 minimum that they require. I am a bit over extended and am considering turning to a cccs for help. This is the only card which is in bad shape. My others are maxed but not over limit or late. My questions are:How can I get these over limit fees to stop? If I close the account and continue to pay, will they cease? and If I want to apply for a mortgage Maryland Bond or FHA within the next five years, how will the cccs connection affect my chances for a mortgage? I really want to get out of debt fast. What do you reccomend? Krissy
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