The negative part is the overpayment of credit cards. If the amount payable in this period is positive, that is, the balance in arrears in this period is the amount that the cardholder should deposit into the card on the latest date specified in this bill. If the current repayment amount is negative, it is the current deposit balance, which means that the deposit amount in the credit card has exceeded the repayment amount, that is, the balance formed by overpayment will be transferred to the next bill to offset the next consumption.

According to the clearing rules, the amount of credit card bill generally includes: current deposit/arrears balance, previous deposit/arrears balance, current expenditure amount and current deposit amount.

Current repayment amount = current deposit/debt balance = previous debt balance-previous deposit balance+current expenditure amount-current deposit amount.

The current period and the previous period are billing cycles. The expenditure amount is the credit card consumption amount, and the deposit amount is the repayment amount received by the credit card.