<prompt> Human: This sounds like a stupid question, so please bare with me. I overpaid my credit card and saw a negative balance. I thought, sweet. I got a notification to pay my bill and I realized I have no idea what to do in this situation. Do I wait for next month when Ill probably have a positive balance and make a payment? Will I get dinged on my credit if I dont make any payments? I actually tried googling this and couldnt come up with anything. Edit: thank you all!  <response>: You need to pay the minimum payment. If you own nothing then the minimum payment is 0. 