I have had a bank account for the past month with a £100 overdraft. I was hoping not to use the overdraft, but my husband has been out of work shy of 6 weeks now and we were down to no money for petrol my first week working to get me to Birmingham. We've dipped in already to my overdraft now, but I do have a direct deposit going in every 2 weeks from my new employer. My worry is that until he is employed again, we're having to dip in each time in order to make ends meet. Will this negatively affect my building credit in the UK? I've been here since August, but I have only had the account a short amount of time.