The same is possible with a credit card - you can have your card maxed, get nailed with overage charges, declined transactions, etc. It's still a headache, but

The same is possible with a credit card - you can have your card maxed, get nailed with overage charges, declined transactions, etc. It's still a headache, but when I've had it happen to me I think I had the money restored within a few minutes of making the call.