Is my "bank balance" column in QBO supposed to show as a negative value for my credit card account?

You just came into the right place for help, wtsavage.

The bank balance is your bank's actual balance from the last bank feed update. The QuickBooks balance is the total balance of all bank transactions that you’ve added or matched to QuickBooks. Below are a list of possible reasons why these balances don’t match:

• Outstanding transactions.
• New transactions for a connected account.
• Duplicate transactions.
• Edited or deleted transactions.
• Card (liability) account.

In your case, since the Bank balance is showing negative, you'll want to do a manual update of your bank account to refresh the connection for the new updates to reflect.

Here's how:

1. Go to the Banking tab.
2. Select the bank account and click Update.
3. If prompted, enter your Multi-Factor Authentication (MFA) credentials and select Continue update.
   

Depending on the factor that’s mentioned above, there are different steps to fix your issue. Here’s an article on the steps to fix or adjust these factors: How to Fix Differences Between QuickBooks Balance and Bank Balance.

For your next step, you'll want to visit these links about reconciliation in QBO:

• Reconcile an account in QuickBooks Online
• Learn the reconcile workflow in QuickBooks

The Community is always open if you have other questions. I'll be around to help. Wishing you a great day ahead!