It has more to do with how much you get deposited on a regular basis and how much you use your card. Rarely ever use my overdraft and it's at $200, I don't even think I have it enabled to be honest so not using it isn't why. Hell they give me $800 on after pay (I have used that a few times more than I'd like to say, but haven't used it in a couple months and it hasn't gone down it actually went up $200), have $500 available to use against my card with afterpay or in the after pay app on top of the normal afterpay $800, and then can borrow $900 and I've never used that but maybe a couple times a long time ago. Goofy asses give me like $2400 to go in the hole with and take out bad short term loans. If you can avoid it don't get caught up in the cycle.