1. 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 limit is 20.9 Yuan. Many banks will charge a certain fee when the credit card is used beyond the limit, and you must return it on time after the limit is exceeded.

2. Credit cards must be returned on time after daily use. Overdue repayment is not allowed, because penalty interest will accrue after overdue repayment. The longer the time, the more penalty interest will be incurred. Moreover, the bank will collect money after it is overdue. A common method of collection is to call the borrower's phone number and continue to collect money until the loan is repaid.

3. When the credit card cannot be returned on time, you can use installment repayment or the minimum repayment amount. Certain conditions must be met when using installment repayment. When applying for installment, users can choose the number of installments according to their actual situation. , different installments have different handling fees, so everyone needs to pay attention.

4. When a credit card is overdue for repayment, the overdue record will be uploaded to the credit report center. When the credit report becomes bad, it will affect subsequent applications for various loans, such as car loans or housing loans, and after the debt is returned, , this overdue record will continue to be saved on the credit report for 5 years, and will automatically disappear after 5 years.

The credit card limit appears as a negative number

1. The temporary limit expires

The first reason is that when the credit card has a temporary limit , the total amount displayed = fixed amount + temporary amount. 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

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 appear 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.