The remaining amount to be repaid in the current period is a negative number (called overpayment), which means that there is still a balance in the card and the individual has paid off the bill, and it exceeds the repayment bill amount. The negative amount means that the individual has deposited more money into the bank. amount.
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.
Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
Extended information
The main credit card repayment methods are:
1. In-bank repayment
The main repayment methods include: card issuance Bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
2. Mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system. It can be used to repay money directly by swiping the card, and can also perform transfers and other services. Instant payment.
3. Convenience store repayment
Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.
4. Online repayment
The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
Baidu Encyclopedia - Credit Card
Baidu Encyclopedia - Overpayment