If your bill is negative, it means that you don't need to repay in this period, and you have overpaid. When there is overpayment in your credit card account (overpayment or refund after offsetting consumption), if you want to get back the overpayment, you can apply to remit the overpayment to the designated bank account in your name (USD can only be taken back to my China Merchants Bank account). You need to pay a certain handling fee to get back the overpaid part (the business card can get back its own card for free). You may not get back the overpaid card money, and the card money will be used to deduct the amount of your card in the future. We won't pay deposit interest for the overpaid amount in your credit card account.