poor girl credit question

poor girl credit question

I recently got a TARGET credit card, merely for the point of developing some sort of credit history (Im 19, and have none at this point.) It's a store card, not a target visa, with a limit of 200 dollars. Ive had it for AWHILE now, and just missed my first payment on a 100 dollar balance, because the only way you can pay it is by check, and the one bank account i have that i can write checks with (as opposed to a debit card.) is overdrawn 400 bucks. Ive been slowly but surely paying off the overdraft fees JUST so I can pay the Target card (i dont use that bank account for anything else.) but Im wondering what kind of affect missing a payment will have on my credit? I just checked it online, and I wasnt charged any late fees, it just appears as if theyve rolled my minimum monthly payment for the one i missed, over to the next? Also, how long can I keep my bank account overdrawn that much before It affects my credit? Am i completely screwing myself at the tender age of 19? :(
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