Your credit card balance represents the purchases you’ve made during a billing cycle, as well as any interest charged. If you pay off your credit card each billing cycle, you will have a zero balance.

With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better ...

A negative balance on a credit card is typically a positive sign, indicating that the consumer has overpaid for something or received a statement credit. Negative balances can result from refunds, ...