I recently got a mail regarding an error in your billing system that caused you to send out a notification with an incorrect amount owed. In that email you felt the need to explain:
"Currently, your balance is $-20.46. Please note that a negative balance indicates that you have a credit, and a positive balance indicates an amount owed."
Why overcomplicate this so much? Why not just show: "Balance: $20.46" or "Balance: $-20.46"? If it was simple you wouldn't feel the need to explain it!
I've always found this a bit annoying and it doesn't match the rest of DO which is exceedingly simple.