i am switching to fusion premier bundled option , which is fusion debit card and premier credit card. one price for the bundle and get eb points for having both. was really struggling to understand how this fusion works, and then smart spend imo i was going to lose out because i was in between debit and credit card and then smart spend you would only get on credit card if you spent on both, so just made sense to go back to old way and use credit card instead of overdraftFusion overdraft now counts for nothing right, so did anyone here close down their overdrafts, or reduce the limit to a very low one?