I have the same thing
and where are you getting the info from saying its a "set up" from Sprint to make sure you go over you limit??? Not true.
Example: I have a spending limit account of $125, because my mom had bad credit when I got the phone in her name when I was 17 and got my first job. (yeah i pay for my own phone :P, unlike some spoiled teens who which one i know just got a brand new dodge challenger...v6 though blahh) end rant..
Anyways, it's just there so you can't rack up a HUGE bill with Sprint because from your credit stand point of view, you can't back it up - not saying you can't or have bad credit, Sprint thinks so not me
. So after a couple of months of not paying my bill, I would go over my spending limit, which in turn they start shutting down my service to my cell phone. But it does allow you to skip a month or two if your money is tight which is also nice.
The $5 fee sucks in my opinion, which after I get a TOL (transfer of liability) to my name and I have good credit, hopefully Sprint will take away my spending limit.
If you don't like it, try to set up auto payments, but only if you know you will always have the money in the bank.