call them up, tell them u overlooked the credit limit, and u are a new user, ask them politely to waive it.

类似情况发生过,不过我用的是CITI的, 写EMAIL去讲了原因, 就免了.  

我以前用的是FLEET的，有过这么一次，打电话还是能ARGUE掉，不过那次晚PAY没ARGUE成功

第一次一般都给免的，打电话试试吧。

Yeah, they waived my late fee and overcharge fee EVERY TIME. Not only chase, all other banks I used did that. Of course I were not late for many times. The banks want to keep your business, that's the key.