If you have a Capital One card in your wallet, you need to listen up! Capital One uses an analysis program to figure out which customers are near their limit and likely won’t be able to stay under it. The company then sends another card to that person in the hopes that you’ll charge that card beyond the limit. Capital One will keep sending cards to people who are beyond their limit as a way to generate ‘over limit’ fees. These can add up to $350 a month. And the more cards you have, the higher the fees. The Federal Reserve has refused to comment about the practice so far, but it has basically said nothing is wrong with it. If you are with Capital One and you’re getting close to your limit, know that this is not a safety net the company is throwing you. It’s meant to sink you. Turn down the additional cards as soon as you get them.