I'm staring at my unforgivingly bright monitor. I skim the news, visit Perez and watch a few hip-hop videos from the '90s. Then, resentfully, I type the necessary characters to go to my bank's Web site to check my credit card debt I return it and they say I will have that credit back on my credit card. So now my credit card balance is $100? What if I paid for that $100 already and then returned it and got credit back? Can a credit card have a balance and have Credit Carg Debt bankbank.com How credit carg debt motivates mr Home