<prompt> Human: So Im under 18 and I have a a debit card and a student account in regions back which is connected to my fathers. I have my own balance but he can see my balance and he has his own balance. I thought I had enough money in my account to buy something from the vending machine but it turns out I didnt and my account went under 0.76. So the balance was -0.76. And I just checked my balance and its 0.00 and it sent the 76 cents was sent to COLLECTIONS DEPT. What does this mean and wtf do I do?I read somewhere that under 1 doesnt matter, but will it affect my future credit score?Assistant: Yo just pay the dollar Human: I dont even know how dude Im fucking 16  <response>: You can call the phone number on the back of your debit card and ask them what to do. I predict it wont be a big deal. 