New Delhi, July 23 -- Maintaining a healthy credit score is crucial for getting seamless approvals for personal loans, credit cards along with other financial products. A common question many people raise in such a scenario is: Will a negative balance in a bank account affect your credit score?

It is important to keep in mind that your bank account balance is never tracked by credit bureaus, the financial habits it reflects can still have a bearing on your creditworthiness.

Vikkas Goyal, Founder of Rupee112, says, "A temporary negative balance won't show up on your credit report, but consistent mismanagement could indirectly impact your credit score. It's important to monitor your account regularly. Timely repayment, along with discipli...