qqp question1: I did not maintain the minimum balance in HDFC and now my balance is negative (i.e. -5000). I cannot close it until I pay it. Anyways, I have an account in other banks. Will this affect my CIBIL score? Will this affect me in the future or shall I just avoid it? question2: A friend's ex owes her $30k and won't pay. The bank just closed out his account and sent him a check for balance to her address. Should she cash it?