209 | Negative Numbers

A credit card balance is a checking account with a negative balance.

If you envision it any other way, you’re confused about how they work.

Harsh? Blunt? Too direct?

That's the only option when something can escalate from fun and innocent to dangerous and overwhelming so quickly.

Travel perks don’t make it positive.

Sign up bonuses don’t either.

In fact, nothing turns it positive.

You can only get it back to zero with a transfer from a positive checking account.