This is called a negative earth system, and when buying an electrical accessory a radio, for example check that it is of a type suitable for your car system. Fitting a radio with the incorrect polarity will damage the set, but most car radios have an external switch for setting the polarity to suit that of the car. Switch to the correct setting before fitting.
The other, probably rated at about 20-30 amps, protects components not wired through the ignition — horns, interior lights and the cigarette lighter. Where a single fuse protects a number of circuits and keeps blowing, each circuit must be checked individually to discover which one is faulty.
Often, however, it is hidden away, perhaps under the dashboard or down in the front knee-well. The car handbook usually gives the location, but without a book finding the box can prove difficult. Get to know where it is before anything goes wrong.
The electrical system of a car is a closed circuit with an independent power source the battery. It operates on a small fraction of the power of a household circuit.