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What does a negative credit card balance mean?

If you have a statement with a - (minus) sign before the amount due, it means that the bank owes you money. Most card companies have their software designed so that the statements are automatically issued if there is a balance even if there are no transactions. Also having a balance negative of positive will not allow you to shut the card account.

Should I have a credit card?

I've had a credit card since I was 18.   As long as you are disciplined about spending, there's no reason you shouldn't have one and use it regularly for a variety of reasons:1.  You build credit, which is important for getting good interest rates if you get a mortgage or some other large line of credit.  Your credit score can make a difference of tens of thousands of dollars over the life of the loan.  You do not have to carry a balance to build credit.  Simply purchasing items and paying off your bill in full every month without any late/missed payments will go a long way to building credit.2.  You get protection.   When you purchase something with cash or a debit card, the merchant already has your money.  This can make it rather inconvenient if you have a dispute over your purchase and need to get a refund.  With a credit card, your money stays in your account until you pay your bill.   The credit card companies make it easy to dispute charges.  You are only liable for $50 if your credit card is used fraudulently.  Some cards offer additional services such as rental car insurance, extended return policies on purchased items, etc.  3.  You can earn rewards.   Once you build a good credit score, you can qualify for different cards that pay cash or points for each purchase.  My wife and I actually fund our vacations this way.  The vast majority of our purchases (plane tickets, rental card, food, etc) are via credit card rewards.There is one major downside to owning a card.  If you think you are going to be tempted to purchase more than you can afford and will carry a balance, DO NOT GET A CARD.   Interest rates are ridiculously high and it is one of the easiest way to bury yourself under a mountain of debt.  There is no reason to worry about managing and keeping track of payments. Most credit card companies give a lot of tools to help you keep track of your purchases and when it is time to pay.   You can set up email and text alerts when your bill comes out, when it is due, etc.   You can even set up automatic payments so that you don't have to worry about it.   At the very least, you can just make a calendar event on your phone to remind you to pay your card every month.   Also, it doesn't hurt to keep track of your purchases with some sort of budgeting program.   Every time I make a purchase, I enter it in my app (I use use YNAB 4: Finance Software for Windows & Mac)  That way you can always check to see how much you've spent at a moment's notice.