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Unfortunately, credit cards don't start out with any money on them.  When you use a credit card, you are actually making an agreement with the credit card company to borrow the money today to buy the item and then promising to pay the credit card company back at a later date. Credit cards have a thing called a credit limit. This is a limit ...

Yes, you can have negative money. It is called being in debt. People that have negative money have more bills to pay than money in their bank accounts. For example, if you owe $500 to your parents but only $150 in your savings account to pay for it, you are in debt by $350. It is a dangerous thing to be in debt, as who knows how long it will take ...