<prompt> Human: Hello fellow PF subredditors!Do most people get busy in their lives and forget about their monthly auto loan or credit balance?I have always been on task every month, I feel like chase bank jp Morgan chase is super greedy? I accidentally went negative like 3, and they instantly gave me another negative 40 the same day in negative balance fees at the exact moment.Are credit cards worth it? Never have them or use them on groceries and gasoline to build credit? But I am guessing people get busy to pay it off?  <response>: Most people have a false floor in their accounts. They never let their account balance go below that number-- if it does, they immediately replenish it from savings. 