Why Do I Have a Negative Balance on My Credit Card?

I’m looking to hear from credit card experts on this topic. Please provide a direct response via email/HARO and NOT an offer to talk or connect with someone on this topic. I will place phone calls if I think it’s necessary. You can provide your own response or consider answering one or more of the questions below: -Why do I have a negative balance on my credit card? -Are there any federal regulations or laws in place to ensure you get your money back if you accidentally overpay your credit card bill? – How do you bring the card balance back up to zero? -Do policies for addressing overpayment/negative balances differ between credit card issuers? -Does overpaying mean you have a higher credit limit? Requirements: credit card expert, bank card employee (Chase, Wells Fargo, Capital One, Bank of America, Discover, etc.)