Overdrawing your account will not immediately impact your credit. But if you are not able to pay that overdraft, your credit score could be in danger. Eventually, the bank will want to close your overdrawn account and collect what you owe. At this point, your bank will report the overdrawn account to a credit reporting agency. Once the credit reporting agency has this information, it will negatively affect your credit score.
You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?