<prompt> Human: So the credit card I want to apply for is a separate bank. The two accounts I mentioned are each both different banks as well BOFA and MTT and are both overdrawn by over 100. According to my banks I have 100 days or a bit more to cover it before they try to retrieve the money. I also have a history of getting overdraft fees refunded.Ive never had or used a CC before, I only have debit cards. I dont really want a CC tbh but my mom is forcing me so I can start building credit. So as you probably guessed already Im a young guy and Im not good with money.  <response>: If your bank accounts are both overdrawn, you shouldnt be getting a credit card right now. 