If you answer yes to this question, you will not get called. It has nothing to do with negative points, your app won't make it through at all. I made the same mistake and went down the rabbit hole thinking that a speeding ticket was a paid fine. It took a buddy in the training department to do some digging to find out why I wasn't getting called. Once I changed the answer I got called within a month. Its kinda like the Hogan test; don't over-think it.