what is negative amortization 
negative amortization is when the size of a debt increases with each payment even if you pay on time this happens because the interest on the loan is greater than the amount of each payment negative amortization is particularly dangerous with credit cards whose interest rates can be as high as 20 or even 30 in order to avoid owing more money later it is important to avoid over borrowing and to pay off your debts as quickly as possible 