<prompt> Human: Hello,While looking at my Wells Fargo credit card report, I noticed that my balance was 834.81 which was surprising to me because I lowered it to the 790 area last month I was really happy about being under 800. It was also very strange to me because I only use the credit card to pay for Hulu. Upon further investigations, I found I was charged 25.00 in an OVERDRAFT and 12.50 in an OVERDRAFT PROTECTION FEE. My credit limit is 900, and I dont understand how I can be charged for this. My credit card payment is shown to be on time it was due 826, and the charges dont show up until 911. What do I do to get my 37.50 back? Im poor and in college.  <response>: Call the bank and ask them to waive the fee. 