If your credit card balance is zero at the time of your refund, your balance will be -$75. Another reason for a negative balance is if you earn a statement credit after you’ve paid your balance.

Tech expert Kurt “CyberGuy" Knutsson reports that scammers made a fake Venmo that mimics a real cancer nonprofit’s handle.

If you open a new balance transfer credit card with a $20,000 credit line, you're now using $10,000 of $50,000 in available credit, lowering your credit utilization ratio to 20%.

Imagine you have the same $15,000 in credit card debt across four cards, with an average interest rate of 22%. But instead of a balance transfer, you're considering a debt consolidation loan with ...

Methodology: How We Chose the Best Business Credit Card for Balance Transfers. Business credit card offers change constantly, and comparing fees and fine print can be tedious and time-consuming.

A sub-zero balance means that the credit card issuer owes you money. For instance, if you have a negative $40 balance and make a $50 purchase, you only end up with a $10 balance on your credit ...

If you have a $10,000 credit limit and an outstanding balance of $6,000, then your credit utilization ratio is 60%. If your credit limit is lowered to $8,000, then your credit utilization will ...