<prompt> Human: Im sure it was a bad call on my end. Here is the scoup, I was 16, and I made the mistake of assuming I had enough money to cover a purchase because I checked my bank account the night before and remember it being enough.I was off by 0.17 I went into Chase bank and asked them to refund the 36 overdraft fee if I paid the 0.17 they refused. I thought they were crazy, so I said screw chase. 30 days later I get an extended overdraft fee then 30 days later I get an account closure fee. When it was all said and done, I owed 176. It now being many years later I believe it is finally off my credit report. But what was the impact of my stubbornness?How the hell is this even legal, once I tried intentionally overdrafting in recent years because I was short on diapers and couldnt successfully do it. Seriously a 5 transaction denied but they can charge 200co on 0 cents all day long.Assistant: Ah must work for chase, sorry guys.Glad you support 2000co interest on overdrafts. I was a kid, Im not sitting here crying about it, Im asking about the long term damage of my adolescent mistake and here we go...  <response>: They dont give special perks to you for being 16. They treat you the same as everyone else. And like everyone said, you probably had the account setup to allow overdrafting for a fee. Even if its only by pennies, you still overdrafted, and were charged a fee you agreed for when you signed up. Then didnt pay the fee, which resulted in more fees. The same thing happens if its 17 cents or 17 dollars, doesnt matter. 