Pfennig sued Household Credit Services for violations of the Truth-in-Lending Act. She contended that she was extended credit but was then charged a fee of $29 a month when she went over the $2,000 limit on her credit card. The fee was not listed in the finance charges disclosed on her monthly statements, but was listed as a new purchase on which additional finance charges were calculated. Does she have a case? [Pfennig v. Household Credit Services, 295 F.3d 522, 6th Cir. (2002)]