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WTF! HIP HOP PRODUCER SEAN GARRETT OWES OVER A MILLION ON HIS CREDIT CARD!

Don't mess with American Express -- that's the lesson for hip-hop mega-producer Sean Garrett, who was just ordered to fork over $108,084 to the credit card company.

Amex sued Garrett -- who's banged out hits with Beyonce, Usher, and Nicki Minaj -- claiming he never paid off the hefty tab on his card.

Amex filed a motion for default judgment last month -- because Garrett didn't respond to the lawsuit -- and the judge ruled in Amex's favor.

Unfortunately for Amex, Garrett has a ton of other financial woes -- the State of Georgia filed a tax lien against him earlier this year, claiming he owes over $1 MILLION in back taxes for the years 2006, 2007, and 2010.

Garrett previously claimed the AMEX bill was the result of identity theft.

PhotobucketA million on a card?

Photobucketis you buying?

PhotobucketIdentity theft!

Sure buddyPhotobucket

We've all heard that 1 beforePhotobucket

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