A negative credit card available limit means that the user's credit card consumption limit has exceeded the credit card credit limit. For example, the credit limit is 2000 and the used limit is 2020.9, then the available limit is -20.9, and the over limit is 20.9 yuan. Many banks will charge a certain fee when the credit card is used beyond the limit, and it must be returned on time after the limit is exceeded.

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The credit card limit appears negative

1. The temporary limit expires

First of all, the first reason is: When the credit card has a temporary limit, the total amount displayed = the fixed limit and the temporary limit. If you first use the temporary limit in this situation, but the temporary limit expires before you have paid off the payment, the total limit will become a negative number.

2. Exceeding the limit of usage

The second situation is that the cardholder uses up the limit when using the credit card, and also deliberately overdrafts. At this time, before repayment, The cardholder's credit card limit will also be displayed as a negative number.

3. Overpayment

The third situation is that if the cardholder deposits money into the credit card, or the repayment amount exceeds the consumption limit, a credit card will appear. Overpayment will also be displayed as a negative number. When using a credit card later, the overpayment will be deducted first. In this case, you only need to spend the extra amount with the card, and then deduct the card limit. I believe that many friends have encountered this situation.

Note:

1. The bank will not calculate interest on overpayment, which is a credit card deposit. This is completely different from a debit card.

2. Cash withdrawals by credit card are subject to charges according to regulations. The charging issue should be looked at from two aspects:

1. According to the regulations on the use of credit cards, ATM withdrawals basically require a cash withdrawal fee. The usual standard is 0.5 of the cash withdrawal amount, with a minimum of 5 yuan; overseas The cash withdrawal fee is higher.

2. If you withdraw money from an ATM machine under the condition of "overpayment", you will still be charged a cash withdrawal fee according to the credit card cash withdrawal standards. In this case, it is recommended that the cardholder transfer the overpayment on the credit card to a debit card of the same name in any bank, and then withdraw cash from the debit card. This reduces handling fees.

As for the issue of handling fees for "overpayment" of cash withdrawals by credit card holders, the charging bank stated that although the credit card holders withdraw their own money, it takes up the relevant resources of the bank. Because unlike ordinary debit cards, credit cards are cumbersome in terms of deposit and withdrawal account processing, and credit cards are used to encourage customers to spend, not for cardholders to use them as savings accounts, so the charges are reasonable.