This is the first part of an article that we found at MSN Money. This is one of the reasons that if you are one of the unsuspecting people that has fallen for what Capital One and many other credit card companies are doing, you should contact us about settling your debts and stop the game they are playing with you.

Capital One Financial keeps the limits low and offers its most vulnerable borrowers additional cards instead — helping them dig ever-deeper holes with penalties of hundreds of dollars a month.

When Brad Kehn received his first credit card from Capital One Financial in 2004, it took him only three months to exceed its $300 credit limit and get socked with a $35 over-limit fee. But what surprised the Plankinton, S.D., resident more was that Cap One then offered him another card, even though he was over the limit — and then another and another.

By early 2006, he and his wife had six Cap One Visa cards and MasterCards. They were in over their heads.

The Kehns were late and over the limit on all six cards, despite occasionally borrowing from one to pay the other. Every month they chalked up $70 in late and over-limit fees on each card, for a total of $420, in addition to paying high interest rates as a penalty.

The couple fell further behind as their Cap One balances soared. Even so, they still received mail offers for more Cap One cards. "I didn’t open them," says Kehn, 33, who manages a truck stop and runs a carpet-cleaning business on the side. "I owe these people that much damn money and they are willing to give me another credit card? This is nuts." The Kehns sought relief at a credit counseling agency last May.

Credit card experts and counselors who help overextended debtors contend that Cap One is simply aiming to maximize fee income from debtors who may be less sophisticated and who may not have many options because of their credit history.