Generally, a negative credit card balance means that there is an overpayment on the current account. CCB’s credit card regulations are that if you are a local credit card customer, the overpaid funds during repayment or the funds stored in the credit card account , this is called overpayment. There is no handling fee for local overpayment withdrawals.

It is also possible that you have consumption debts that have not yet been accounted for (that is, the merchant has not settled with the bank). For unaccounted debts, the overpayment cannot be offset against your debts, so It may appear that you have extra money in your account. In fact, after the transaction is recorded, the account balance may be 0 or a positive number. In this case, if you withdraw money, it may become an overdraft withdrawal. So let me teach you a way to judge, which is to check the available limit. When the available limit is greater than the credit limit, it means that there is indeed an overpayment on the account, and you can withdraw the greater part. Otherwise, the available limit is less than or equal to the credit limit, which means there is no overpayment. If you withdraw money, it is an overdraft withdrawal, and interest and handling fees will be incurred.

If you are still in arrears, there is a handling fee for cash withdrawal, which is 1%, and there is also an interest of 0.5% per day until it is paid off in full.

CCB’s customer service hotline: 95533.

CCB’s Credit Card Center customer service hotline: 400-820-0588. You can call customer service to confirm and obtain the most authoritative and effective information.