Negative credit card balance refers to the overpayment made by the credit card holder when he deposits into the credit card account in advance or repays the loan, that is, the part that exceeds the credit limit, that is, overpayment. The overpayment can be directly used for credit card repayment, and the available credit limit can be increased. When a credit card is deducted, the overpaid part is generally deducted first, and then the credit line is deducted.

How to transfer the overpaid money to the savings card?

1. Call the customer service phone of the bank where the credit card is opened, submit an application to the customer service, and the customer service will transfer it out.

2. Log in to the online banking of the credit card bank, click Credit Card-Card Account Transaction-Cash Transfer in turn, enter the card number, and follow the instructions on the page.

3. Take out the money to be transferred from the credit card at the ATM of the bank where the credit card is opened and deposit it in the savings card.

4. Find the credit card page corresponding to the credit card bank in the mobile APP, and click Cash Transfer-Overpayment-Select Collection Account-Transfer Amount-Submit SMS verification code bound with the mobile phone number in turn to complete the operation of transferring the overpayment to the savings card.