What is a negative balance on your credit card?
Having a negative balance on a credit card reflects what your issuer owes you.
3 min read
Sep 05, 2025
Raychelle Heath
Personal Finance Contributor
Raychelle Heath is a freelance writer who began working with Bankrate in 2019. She has covered such topics as the best credit cards to use abroad and how to maximize credit card rewards. She’s originally from South Carolina, but has recently adopted the life of a digital nomad. When she isn’t writing, she can be found teaching yoga and meditation or participating in arts outreach initiatives.
Raychelle's latest articles
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What is a good credit score?
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When you overpay your bill, extra funds generally remain as a credit on your account. But there are more options you may consider.
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How to clean your credit cards
Keeping your credit cards clean can help you avoid card damage and the spread of pathogens.
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Can a business charge for using a credit card?
Businesses tend to cover merchant fees, but other times consumers eat the cost.
9 min read May 06, 2024
