I just opened up this account, my first account ever, and i was in negative 70s for like a three days, but now the account is fine. Will this effect my credit in the future?
If my bank account balance was negative for a few days, will my credit score be bad?
Nope. You will be just the fine.
Now if you left your account in the negative for 60 days, then the bank would charge you off. By 90 days if the bank cannot contact you to set up a payment arrangement, then you would be reported.
Reply:no but do not make a habit of it.
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