<prompt> Human: Hi all, Im 25 yo and am making about 3,000mo. I have two credit cards - one WF with credit limit of 1,500 a Capital One with a 300 limit. I feel like because Ive been out of school for 2 years now I should have my personal finances a little more together but I keep over drafting. My WF credit card is linked to my checking account for over draft protection. I also have the save as you go option which transfers 1 from your checking to savings every time you swipe. Im thinking the save as you go may be the reason Im over drafting - I think I have a certain amount but then the save as you go will take 5 here and 10 there. So I am working on keeping tabs on my spending, trying to spend wisely and pretty much get my finances together when I wondered what kind of affect these small over draft fees 10-15 may have on my financial future.Also, any thoughts on the save as you go option from WF?Thank you!  <response>: Overdrafting has no impact on your credit score, unless you never pay back the negative balance and the bank sends your account to collections. However, it will impact your Chex systems report: 