If you get an overdraft from the bank and pay it back on time, does that improve or damage your credit?

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Don't know about Australia, but in the US if you have an overdraft on your checking account it has no affect on your credit score. The only time your bank account affects your credit score is if you are writing bad checks or if your account is negative to long and gets charged off. Then it gets reported to collections and credit agencies.

If you get an overdraft from the bank and pay it back on time, does that improve or damage your credit?