Calling my bank to get a fee refunded is truly one of my least favorite things to do. You most likely feel the same way, but I'm here to tell you it's worth it. Banks made $11.6 billion in overdraft fees in 2015 and they are counting on you to begrudgingly do nothing about these ethically questionable fees despite a bill passed in 2010 that explicitly requires you to opt-in for 'overdraft protection'.
There have been a few times in my life where I have racked up a large amount of credit card debt. It's not fun to have and it caused me a lot of stress, especially when it started to seem a little unmanageable.