Okla. Stat. tit. 14A, § 14A-3-203.2: Revolving loan credit card accounts - Additional

charges.

With respect to a consumer revolving loan account accessed by a

lender credit card or similar arrangement, the lender may contract

for and receive the following charges, in addition to those set

forth in Section 3-202 of this title:

(a) A delinquency charge with respect to any payment due

in connection with a billing cycle under the account,

to be payable if the payment is not made within ten

(10) days after its due date. No more than one

delinquency charge may be imposed in each billing

cycle and it may be collected at any time after it

accrues either independently of any payment made on

the account or from a payment made if the lender

discloses delinquency charges to the debtor as they

are imposed and informs the debtor of the full amount

that the debtor must pay for the applicable period in

order to remain current on the account;

(b) An over-limit charge for each time the debtor exceeds

the designated credit limit on the account; and

(c) A returned item charge for each return by a bank or

other depository institution of a dishonored check,

negotiable order of withdrawal or share draft issued

by the debtor in connection with the account.