This Tookit setting adds the Days of Buffering (DoB) display but excludes credit card activity. Thus, activating this setting usually eliminates the chances of a negative DoB calculation by inflating your true Days of Buffering number.
In other words, using this setting will result in an inaccurate reflection of your true financial situation.
As a coach, I’d strongly advise against using this setting. If you’re in debt or living beyond your means and don’t like seeing the negative Days of Buffering display, it seems to me that simply not seeing any number is better than seeing an artificially inflated one.