I have a question about maintaining good credit!!!?

im soo livid so i had a bank account with a local bank over a year ago.. i closed out the bank account because it was horrible so i went in and closed it in one day took all my money out and that was it they told me i had nothing to worry about.. well now i get a letter saying im -4 dollars in my savings account because it went under a certain amount of money and that they reported it to the credit card company?! like WTF??? i have never had any issues with my credit its outstanding and now because this stupid bank screwed me over one last time im suffering the consequences i dont even live in that town anymore so i gotta go make a trip to fix it does anyone know how bad this will affect my credit??

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