Yodlee - How do you determine the correct negative/positive loan and credit card balances?

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We notice that some banks return a negative balance for loans (ItemContainer with a ContainerName of LOAN), while other banks return a positive balance. I'm struggling to think of a scenario where a loan can be considered a positive balance. Does Yodlee have any internal way of returning a negative balance, or do we need to handle that ourselves?

For credit cards, again we notice that balances can be returned as a positive value, but should be negative. With credit cards, it is at least possible to have a positive balance (e.g. you put some money on your card before a holiday), so how can we reliably determine when the balance should be actually negative?

Edit: Yodlee scrapes the page correctly. Sometimes a loan will be shown without a minus sign on the end-users banking page, but it is clearly a debt and Yodlee knows it is a loan.

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