I wrote a check, which would have caused an overdraft, but since I had the overdraft protection, they took out 3k on our Visa account. Now we got the bill from Visa, which has both a transaction fee finance charge of $99.00 and a periodic rate finance charge (I suppose that’s on the 3k we borrowed). Is this a charge that I might successfully have waived? Or, shall I resign myself to paying? If it is fightable, any tips on what I might say to them?