5 Things to Do if You Have a Negative Credit Card Balance Photo by Avery Evans on Unsplash Did you log into your online banking account to find that you have a negative balance on your credit card? Your heart might have dropped for a moment — how could you have accrued this much debt? What does having a negative credit card balance even mean?  You can relax: having a negative credit card balance is not a bad thing. It does not mean that you owe the bank lots of money — the opposite, in fact.  That said, if you searched the internet for answers thinking that having a negative…