Need help with IF formula for negative numbers

I am trying to have a formula that says the following:

1) If the value in this $ field is greater than 0, 'Do this'

2) also, the value in this $ field is 0, 'Do this instead'

3) also, if the value in this $ field is a negative number, 'Definitely do this'.

I have no problem writing formula to address 1 and 2, but I can't figure out how to incorporate condition 3.

Currently, my formula goes as follows (and is missing #3):

IF({Current due after credits}=0, "NO CURRENT DUE",IF({Current due after credits}>0,"CREATE REMIT"))

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Here you go:

IF(
    {Current due after credits} < 0,
    "Your Desired Return Value",
    IF(
        {Current due after credits} = 0,
        "NO CURRENT DUE",
        IF(
            {Current due after credits} > 0,
            "CREATE REMIT"
        )
    )
)

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