200.00 is not bad but I was credited 50.00 up front for being a great customer I keep a -500 balance at all times and wow does that help me out all the time.
Just call and see if you can get it lower.
I thought the most negative balance you could have on your account is $100? I know it was like that fairly recently because I do the same thing. I just always use $100. Didn't realize I could do more than that. Will have to do that from now on.