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Tribute MC First Bank of Delaware

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I have had so many problems with this cc since I had it.I lost my job for a couple of months and got behind on bills.All of my other credit cards didnt pull anything like this one has.They are charging me monthly for a late fee,which in turn charges me an over the limit fee.I already have over $225 in these fees.When you go to pay the bill, there is a spot where if you cant pay at this time, you can click on there.After you click on this, it asks for a reason. At the bottom I added a note to try to lower some of those fees. I was told until my account is up to date, they cant help me. Is this legal?Can I close this account to stop them from charging me on EVERYTHING?Thanks

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