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Here is a good one:

I tried to make a $2,600 payment on my BofA visa online (my standard monthly bill payment, but made a mistake with the decimal. I actually paid $260,000.

Here is how it worked:

The card company tried to process a $260,000 transaction, but cannot handle payments larger than $99,999 so they created three transactions: two for $99,999 and one for $60,002. Only one went through to my bank and generated a $20 NSF fee.

When they were returned, BofA charged me a $39 returned check fee for EACH transaction, for a total of $127. Then, when they returned my account to it’s original “outstanding balance” they put it in as a “cash advance”. The amount of interest on my card is 10% but 19% for cash advances.

Good news is that when I told them NOT to cancel the card but that I would simply stop using it they backed out all charges. I was out $20, but I’ll live with it.