When a purchase transaction is posted in the credit card account, the credir card negative balance is increasing, which is fine. Now, when a payment is made to the credit card,I'm creating a "transfer" from my checking account to the credit account. Cash decreases in the checking account, which is correct, but the "transfer" is actually increasing the negative balane in the credit card account too, which doesn't seem right. The negative balance should decrease. As a result, the negative balance has become very high.  What am I doing wrong? How should I fix my books?