Quote Originally Posted by bricekolob View Post
It is not a balance, it is a credit. So I have -100 dollars on there that visa owes me. Plus, Christmas is paid for. We have an allotted amount that we save up during the year and that is all we spend.
Well, like my gran-da used to say, 'if you don't know what to buy, then don't buy anything until you do'.

If you're concerned about the $100 credit sitting on your card, just use it to buy groceries and gas instead of paying cash till it's used up.