For credit cards that do charge the fee, it can only be a maximum of $35 and can only be charged up to two billing cycles that your balance remains over the limit. You can avoid paying over-the-limit fees by keeping your credit card balance below the credit limit or opt-out of over-the-limit fees.
Collusion is an agreement between two or more parties, sometimes illegal and therefore secretive, to limit open competition by deceiving, misleading, or defrauding others of their legal rights, or to obtain an objective forbidden by law typically by defrauding or gaining an unfair market advantage.
Coronary artery chronic total occlusion. Coronary artery chronic total occlusion (CTO) is complete or almost complete blockage of a coronary artery for 30 or more days. Coronary CTO is caused by a heavy build-up of atherosclerotic plaque within the artery.