Stupid college student;

Quick question, make fun of me as much as you want.

I have had a bank account in my hometown for about 2 years with no problems, its a simple student checking account. Now that I'm in college (out of state) I ran the balance down to about 2 dollars. It sat at 2 for a while.

About a week ago in a drunken stupor I signed up for a few online services (was just a service to make international telephone calls so I could call a friend), and they said that it was a free trial that lasted for one month. Anyway, I cancelled it the next morning, and they still charged me.

This of course pushed my bank account balance to about -$45 US. I have never had a negative balance.

Is this going to be a problem assuming it only lasts for like a day or two until I get some funds sent into it?

Will this hurt my credit?

Thanks..