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I would lilke to reduce my overdraft from $1500 to $200 because I don't like the idea that someone can make a copy of my debit card and take out so much money of it. Wil this affect my credit score? Thanks!
 

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It does...but it's hard to know by how much, without seeing the rest of your total credit exposure (not that I'm asking).

The issue is your credit utilization ratio (the ratio of available credit to used credit).
 

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I think it would be best to ask your bank, if they're unbaised they'll tell you if they report such activities and what effects if any!
 
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