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  2. What is a negative balance on your credit card? - AOL

    www.aol.com/finance/negative-balance-credit-card...

    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 ...

  3. How do credit card refunds work? - AOL

    www.aol.com/finance/credit-card-refunds...

    Credit card refunds are easy to request, but they may take two weeks to process. ... you will have a negative balance on your credit account — and any future purchases will be applied to the ...

  4. How to cancel a credit card without hurting your credit score

    www.aol.com/finance/cancel-credit-card-without...

    You have five credit cards each with a $1,000 limit, making your total available credit $5,000. Your regular monthly credit card expenses total $1,000. Your credit utilization ratio is 20 percent ...

  5. How to pay off your credit card debt: A step-by-step game ...

    www.aol.com/finance/how-to-pay-off-credit-card...

    Balance transfer cards offer a solution by letting you move your existing credit card debt to a new card with a 0% intro APR period, typically lasting 12 to 21 months.

  6. What to know before closing a credit card with a balance - AOL

    www.aol.com/finance/know-closing-credit-card...

    That said, credit card issuers cannot increase your annual fee or charge you new fees after you close a credit card. Closing a card with a balance can also help you avoid paying the annual fee for ...

  7. What is a credit card balance? - AOL

    www.aol.com/finance/credit-card-balance...

    Your credit card balance is the amount you owe your credit card company at any given time and is essential to managing your debt.

  8. What to know before closing a credit card with a balance - AOL

    www.aol.com/finance/know-closing-credit-card...

    Closing a credit card account can also impact your credit utilization ratio if you have debt on other credit cards and revolving accounts. This factor makes up 30 percent of your FICO score, so ...

  9. How to manage your credit card balance - AOL

    www.aol.com/manage-credit-card-balance-185205258...

    Rossman recommends keeping your balance to less than 30% of your credit card limit. Fore example, if your limit is $1,000, you should try to keep your balance below $300.

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