I have two credit cards, a VISA and a MasterCard.
I primarily use my MasterCard and only use my VISA when MC isn't accepted. I went about 18 months without using my VISA (I didn't use it at all in 2010. I don't know if there are consequences to that either...). For some odd reason I received a cash back of $1.25 in January, putting my balance at -$1.25.
I finally used my VISA again today, but I had forgotten about the negative balance so it remained on my card all this time.
Is having a negative balance for so long going to hurt me in any way? I'm Canadian if it matters.