Overdraft

[Anoni]

Hi all i recently applied for just a small overdraft with my bank of £50, just in case i get a surprise bill / emergency. I was wondering if i don't use the overdraft at all, will it affect my credit score?

I don’t think it will.

It can actually improve your score ironically - having X amount of available credit but not using it can be a score booster.

£50 isn't going to make a dent in your credit score, no.