You might want to check you account on line with Orchard because they charge $35.00 over the limit fee, so you might be more than 100.00 over at this point.
Of note, in July 2007 - I paid my account on line 2 days before the due date and recorded the confirmation number in my checkbook. When I got my August statement my balance was charged $35.00 for a late charge, $35.00 dollars over the limit (which the $35.00 late charge pushed me over the limit), 6 days later I was charged another $35.00 over the limit fee and again 7 days later another $35.00 over the limit fee, so the total charges was 170.00, which I freaked out over and called them I had paid the payment. Then they posted a 30-day late for July on my credit report and closed the account. I had never been late with them before.
I did get the problem resolved in December after providing my records and received a letter in the mail from VP stating that they had made a mistake and issued me a check for $170.00 (what a nice surprise for Christmas) and took the 30-day late off of the credit report. They offered to reopen the card but it would have costed me a hard inq, so I declined, so they marked the CR as "closed by me/paid in full with no 30-day.
So please get the over-the-limit down as quickly as possible because the fees will be assessed and you will owe more than you originally did. You can go online and see your account, not wait for the statement to see if they have assessed the over-the-limit fees to your account. DON'T wait for the statement, call or go online and resolve this immediately.
