<prompt> Human: Okay, so like it says, my car payment is 230 a month but right now in my bank I have 229.63.I fucked up and didnt pay close enough attention to my spending, so thats my bad.Will this seriously hurt my credit? I couldnt find anything about overdraft fees, so is there a general fee that applies to every bank? I think I may qualify for overdraft protection but will that put me in bad standing at the CU? Ive already almost maxed out the credit card I have through them I have been paying it off as well and I should be able to stop using it after this next paycheck., are those two things connected? Im apparently really bad with money. Ive made every other payment with only the first one being late because I got the dates mixed up. I think I started the loan about four months ago.  <response>: I work at a credit union. On all of our loans pers, auto, home, etc they have a 15 day grace period after the due date where you are not charged a late fee nor does it report to your credit. Even then, it wont report to your credit until after 30 days past due. You are fine. Plus, today isnt a business day. Wont come out yet. Dont stress. 