For instance, no one wants a negative balance on their bank account. However, the reasons for a negative credit card balance are actually mostly positive. Credit card statement balances show the ...

Negative marks on your banking history can make opening a bank account even harder ... combined checking and savings account with no monthly fees or minimum balance requirements.

However, bank accounts don't affect your credit score unless you have a charged-off account with a negative balance. Tayne says if you repeatedly overdraft your accounts, it could be reported to ...