<prompt> Human: I had been banking with citi for several years and I have excellent credit, always make payments on time etc. I decided to slowly pull my money out of their checking account and eventually close it because they were going to start charging a fee for checking.I made the mistake of hitting the wrong button and paying a small bill with them - tried to cancel it, couldnt. So if course they charge me an overdraft fee, then a late fee etc on a checking account. I figured Ill deal with it later but now they send me mail saying account closed which is fine and they may send this to collections for the 46 in fees theyve charged me.Any advice on how to handle this so it doesnt affect my credit scores? Ill pay the stupid fee and never bank with them again but I know sometimes this stuff unfairly follows you on your credit.  <response>: Youre seriously willing to take a major financial hit over 46? Id be less concerned about the credit score and more concerned about it blowing up in your face and making it hard impossible to open up a checking account until its cleared. 