There is a <-max-> operator you can use that will output the maximum between the left side and the right side.
You can use Input value <-max-> 0 to make sure the number is never negative.
But you could also use conditionals in a workflow - these conditionals will check whether the balance is greater than the cart - and then the actions will proceed accordingly.
Are you having problems setting up the workflows? Or is it just a matter of not displaying the negative number?
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