Is charging a cell phone over night bad?

No. The device will stop charging when the battery is full. However, with all rechargable batteries - it is best not to charge it until it is almost, but not dead. This will prolong the chargability of the battery.
 
No, it's totally fine to do this. But you'll save a little on your electricity bill if you only charge it enough to fill it up, but no longer.
 
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