But what happens when you return the $600 machine you bought last month, and had immediately paid off on your card? Oh, I'll tell you - they give you a NEGATIVE number. Your balance is now -$95.00. They, the powerful unknown credit card they are not pleased with you. And to ensure you don't try this whole actually having money IN your credit card thing again, they'll ensure every time you look at your account, you feel terrible. -$95.00. Negative. Just like you've overdrawn your account! Doesn't it seem backwards people? You have actual money in your credit card that you've paid over and above, and you get a negative. You spend money you don't have, and you get a positive.
Every time I open my account, it annoys me. Bad. And it makes me realize just how smart the whole set-up is. Because seeing a negative sign in front of my account makes me feel so terrible, that if they actually did that with my credit card every time I spent money, I'd no doubt hardly ever use it! So they give you happy feelings - they flip things completely backwards, so you never have to think of using "credit" as spending money you don't have!