<prompt> Human: Im a 20 year old with Bank of America right now and Ive made the minimum payment so far this month. I saved up about 1,100 and around two weeks ago paid off all my credit card debt that Id accrued the two months preceding. That left me a bit short on cash and Ive got just enough to make rent and bills and such. But some automatic payments I forgot about that are unnecessary brought my balance to 200 this month which I dont expect to be able to make. How much is that going to hurt me? Also, I want to switch to a federal credit union, but I dont know what to look for. Ideally Id keep my credit card from BofA because it has a high balance for me and I just opened a Schwab checking that Ill use when I go overseas because it has ATM reimbursement worldwide and no foreign transaction fees. But I want my main checking and savings to be with a credit union.  <response>: As long as you make the minimum payment each month, your credit cards are considered in good standing. You will pay interest, but its not going to leave a mark on your credit. 