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<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"nextPageMobile":false,"nextPageNumberMobile":-1,"nextPageUrl":"/articles/topics/credit-card.2","prevPageNumber":-1,"bottomArticles":[{"date":"Wed Jan 21 00:00:00 PST 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/jorge-labrador/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2026/01/250848---DA_WhatsANegativeBalanceRefresh_SEOA_FINAL.jpg","previewDescription":"Seeing a negative credit card balance might surprise you. But is it a bad thing? Learn what it means and what you can do.","title":"What Is a Negative Balance on a Credit Card Statement?","pagePath":"/articles/what-is-a-negative-balance-on-a-credit-card-statement","imageAlt":"A man sits in his living room, holding up a credit card while reviewing his statement with a concerned expression. 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A woman’s hand uses a calculator as her other hand holds a pile of fanned-out credit cards, perhaps as she calculates the value of her credit card annual fees.

Credit Card Annual Fees and Why They’re Charged

Credit card annual fees might feel unnecessary, but they serve a valid purpose. Here’s why they’re charged and how they may affect you.

Four wooden blocks with markings on their faces are lined up in a row. The first three spell out the word “Fee,” while the last is rotating to reveal upward and downward arrows. This represents weighing the pros and cons of a credit card with an annual fee.

Are Credit Cards With Annual Fees Worth It?

Some credit cards charge an annual fee while others don’t, so why choose the paid option? Learn how to pick the right option for you.

A woman holds her credit card while looking at her smartphone with a concerned expression, as if she was just notified of an unknown credit card charge.

What Is This Charge on My Credit Card?

Unexpected charges on your credit card aren’t always something fraudulent, but it’s good to know how to identify them and, if needed, dispute them.

A man sits in his living room, holding up a credit card while reviewing his statement with a concerned expression. He may have noticed something unfamiliar, like a negative balance.

What Is a Negative Balance on a Credit Card Statement?

Seeing a negative credit card balance might surprise you. But is it a bad thing? Learn what it means and what you can do.

A man uses his hand to stop wooden blocks from toppling over like dominos, representing the impact of poor debt management on credit scores and taking action to prevent it.

Impact of Poor Debt Management on Credit Score

Neglecting to manage your debt can have a negative effect on your credit score. Learn how to avoid this situation with these tips.

A young woman smiles as she checks her mail at an indoor bank of postal boxes, perhaps receiving the credit card she’s been waiting for.

How Long Does It Take To Get a Credit Card?

Credit cards can take a few days or weeks to arrive in your mailbox. But you may be able to use it sooner than that.

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This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

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