You have to look at the terms of your agreement with the photographer to see if there is anything that would permit him to charge more than the original price agreed upon. If there isn't anything in the contract that would permit him to charge you more than the agreed-upon price, then he can't and his making additional charges on your credit card that you haven't agreed to is wrong. Not only would he owe you the money back, with interest, if the contract did not permit him to make the overcharge, he might be subject to criminal liability for theft.
Given the amounts at stake here, I would suggest that you at least consult briefly with a competent local attorney to see what your options are.
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What does your contract in writing say? what does the credit card authorization that you signed say?
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I agree with my colleagues who have previously answered. I would simply add that there is no set "most" amount that can be charged over a quote. This would be governed by your agreement with the photographer, as would the credit card transaction. Check out the agreement and see if you can find a local attorney to do the same. Also, if you believe the credit charge was unauthorized, you may be able to dispute it with your credit card company who will make inquiries on your behalf as well.
Good luck resolving this issue.
The author of this posting is licensed to practice law in the State of New York. He specializes in litigation matters relating to personal injury, construction accidents, auto accidents, slip and fall, dog bite, contract litigation, property litigation, civil rights, ERISA, and Social Security matters in federal, state and local courts, with a focus on courts in Staten Island, Manhattan, Brooklyn, Queens and the Bronx. This posting is intended as general information only, is not provided as legal advice in connection with any specific case, and should not be construed to create an attorney-client relationship.