[soweak.]

[ QUOTE ]
You do realize that cashing a NSF cheque screws up your credit rating, right?

--Dave.

[/ QUOTE ]

This is not necessarily true. Not paying a negative balance will hurt your credit immensly, however cashing NSF cheques will not right away damge your credit. Most often they just hurt your relationship with your bank, and repeated offenses will cause you to lose your account.