Are you overcharged? You assume you know the interest rates and credit limits on your credit cards. You assume the charges are correct and the credit card companies are calculating your payments accurately. When was the last time you checked? Credit Card Watchdog can easily keep your credit card company honest and check past credit card statements to discover if the credit card provider has been overcharging you with their variable rate and daily compounding interest. A few cents here and there can easily add up to hundreds, even thousands of dollars over time. A typical example works this way: A customer charges $5,020 in merchandise and pays $5,000 of it by the payment-due date after getting the first bill. The next bill will include the $20 that wasn't paid but also $34.78 in interest charges on the entire $5,020