I use a bank card that allows going into minus with interest. I learned this, repented and swore not to do it again. Later due to automatic payments being taken before I get money my account went into minus again. Wasn't intended. Oath broken, or am I excused because it was unintentional/negligent?

Ustadh AbdulAziz al-Haqqan

Imam Ibn Baz and the Permanent Committee held there is no hinth upon the forgetful and no kaffarah, and that his oath still stands over him.