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Hey WalletHubbers! Today well go over what a negative balance on a credit card means and when a credit card company must reimburse you after it happens. Basically, a negative balance on a credit card means your credit card company owes you money, rather than the other way around. In other words, youve paid more than your total balance due. Sometimes, a negative credit card balance is an accident. But people have been known to intentionally overpay their credit card bill to temporarily buy themselves more spending power with the card. This could allow you to carry less cash, which would come in handy for a vacation, for instance. Here are the most common ways a negative balance on a credit card can happen: First, credit card companies generally prevent you from paying more than you owe, especially online. But if you pay by check, you might get around the policy, resulting in a negative balance. Second, you might get a refund for a returned purchase that pushes your balance into negat