Your credit card balance is the amount of fees you owe to your credit card company. It is the accumulated amount that you have borrowed but not yet paid back. Every purchase, balance transfer, and cash advance you make increases your credit card balance. Fees and interest also increase your credit card balance. On the other hand, payments and returns all reduce your credit card balance. Your credit card balance may also be negative if you overpaid your credit card or had a credit credited to your account after you paid your balance in full. It is important to be careful about your credit card balance so that you don't let it get out of control and keep it at a reasonable level (or fully paid).
Not everyone knows that banks and financial companies often put financial products on the market with particularly favorable conditions. These are the so-called last minute loans, that is special loans aimed at families or small entrepreneurs, which have very interesting interest rates and can be used for unexpected expenses, such as for example a pleasure trip, some small renovation work at home or university tuition fees for children. Lenders practically take advantage of the periods of the year when personal loans are usually requested less frequently, to offer real "special offers", in order to satisfy the needs of those consumers who find themselves in difficulty economic and need to get liquidity quickly.