no. Negative credit card limit will not directly affect the credit of cardholders. There are many situations that can lead to negative credit card limit, such as temporary limit expiration, overpayment and overuse. These three situations will not affect the cardholder's credit information.

expiration of temporary limit: refers to the temporary limit of credit card that must be used within a certain period. After the deadline, the temporary credit line will automatically expire. This period is called the validity period of the temporary credit card limit.

Overpayment: refers to the money that the cardholder overcharges when paying by credit card, or it may be the money that the cardholder overcharges unintentionally. Although there is no profit in overpaying credit cards, it requires a certain handling fee to take them out. It is suggested that cardholders can put them in for consumption or repayment without urgent needs.

Overuse: refers to the fact that when a cardholder uses a credit card to make a transaction, the transaction amount exceeds the amount that the credit card can consume. Credit card transactions have a daily consumption limit, and if the amount of the day exceeds the maximum limit, the transaction cannot be continued.

what do you mean by negative credit card limit?

a negative credit card limit means that the amount used by the credit card exceeds the total amount of the credit card. If the use exceeds the limit, it is recommended to repay as soon as possible. Sometimes credit card payment may be overpaid, and the overpaid amount will become an overpayment on the credit card. When you check the credit card limit, if there is an overpayment on the card, the overpayment will be displayed as a negative number.