Basically before August this year I have never had to use the overdraft facility on my current account. However my son has started playschool which costs us about e200 extra per month. Normally we like everybody else would get to odd month of high bills and so on but now the little cushion has been taken away from us. I have found my self in the third month of overdrawing my account and I’m now concerned that this will affect my credit rating or something. At the moment this overdraft is cleared every month, should I be concerned?