1. The situation when the CITIC Bank credit card limit is a negative number is:

The negative number displayed on the credit card self-service machine means that there is extra money in your account, and the positive number displayed is the amount of money in your account. of arrears.

If the credit card balance shows -1000, it means that you have deposited 1,000 yuan more, not that you owe 1,000 yuan. The excess money deposited on a credit card is called overpayment. It is recommended not to withdraw it in a hurry. It can be used for the next repayment or directly spent. Most local banks are free to withdraw the overpayment, but some banks charge a fee. Specifically Based on bank charging standards.

2. Issues related to credit card temporary limit exceeding the limit:

1. Pay attention to the usage period of the temporary limit

Generally, the validity period of the temporary limit is one month, one month Afterwards, the credit card limit will be automatically restored to the original limit. Experts remind: Cardholders should be aware of the usage period of their temporary credit limit to avoid the embarrassing situation of the cardholder not knowing that the temporary credit limit has expired and preparing to continue using it, and the balance is insufficient when swiping the card and the card cannot be swiped.

Some banks say the temporary limit is for one month, but in fact it ends on the statement date of the next month. For example, if the cardholder's bill date is the 20th of each month, and the temporary limit takes effect on the 30th of this month, then the temporary limit will expire on the 20th of the next month, and the cardholder's actual usage period is only 20 days.

2. Once the credit card is stolen, the losses will be greater

In addition, experts remind that although the available limit of the credit card has been increased, the amount that can be overdrafted for consumption has increased, making it easier to hold the card. people use. However, if the card is lost or stolen maliciously, the losses to the cardholder will be greater. Therefore, if there is no actual need, it is best not to increase the temporary limit. If the bank takes the initiative to increase the temporary limit, the cardholder can clearly cancel the temporary limit when confirming by phone or text message from the bank.

3. It is generally necessary to repay the over-limit fee in full 5

It is worth noting that the card swiping part within the temporary limit of most banks cannot be repaid like the card swiping part of the ordinary credit card limit. Choose installment repayment or minimum repayment. After using the temporary limit for consumption, cardholders need to pay attention to the repayment date shown on the bill, and repay the entire temporary limit of the overdraft and the minimum repayment amount of the normal limit before the repayment date. If the full amount is not repaid, a fee will be charged Over-limit fees, which are up to 5% of the temporary limit used, will affect your personal credit record.

For example, the cardholder’s normal credit limit is 30,000 yuan, and the limit is temporarily increased to 40,000 yuan, and he consumes 35,000 yuan that month. If the minimum repayment amount is 10% of the bill under the normal credit limit, then , the minimum repayment amount next month is 10 of 30,000 yuan, that is, 3,000 yuan plus the temporary limit used of 5,000 yuan, a total of 8,000 yuan, not 10 of the total bill of 35,000 yuan (3,500 yuan). If the cardholder’s If the repayment amount is less than 8,000 yuan, in addition to being charged interest, you will also be charged an over-limit fee and late payment fee for the unpaid amount of 5 yuan. ”

Note: When cardholders apply to use the temporary limit, it is best to consult the credit card customer service center of the relevant bank by phone to understand the precautions and the minimum repayment amount, so as to avoid unnecessary losses.