Originally Posted by met152

It appears to me that WF defines overpayment differently than what you're referring to.

WF seems to mean that if your CL is 10k and you charge 11k and make 11k in payments, that you have overpaid.
My account was locked once when my outstanding balance was something like 2k, and I had 5k pending. A 2.5k payment hit before the 5k pending charge posted. They considered that as overpayment by ~500.
A second time I was locked, probably b/c I was doing 2-2.5x CL. They still told me it was locked due to overpayment. When I explained that I was very careful with the timing of my payments due to overpaying once before, he explained that they didn't like to see charges greater than my CL and that's what he meant by overpayment.