When many friends use credit cards, they may find that the credit limit of a certain credit card in their hand suddenly becomes a negative number, and they are worried that their credit card is being controlled by the bank. But in fact, there are many cases where the credit card limit becomes negative, and you must first find out the reason. What to do if your credit limit is negative?

There are many cases of negative growth in the credit limit. Different reasons will lead to different results, and the solutions will also be different.

1. Expired temporary limit

When the temporary credit limit expires, the credit limit will be displayed as a negative number. If this is the case, the cardholder only needs to pay off the balance before the repayment date without any serious consequences. It is worth noting that the temporary limit generally cannot be repaid in installments and needs to be paid in one lump sum.

2. Exceeding the limit

Some credit cards have over-limits. After the cardholder has used the original limit of the credit card, and then uses the credit card that exceeds the limit, the limit of the credit card will be It will become a negative number, just like how it is handled when the temporary limit expires. The cardholder can just pay off the bill on the repayment date, and there will be no big impact.

3. Overpayment

If the cardholder deposits money into the credit card, or the repayment amount exceeds the consumption limit, there will be an overpayment on the credit card, that is, the credit card limit will also be Shown as negative. In this way, cardholders don’t have to worry too much, they just need to spend the extra amount with the card.

4. Subject to risk control

If the credit card is reduced by the bank for risk control, the credit card balance may also be negative. At this time, the cardholder should immediately call the bank's customer service number to inquire in detail about the reasons for the reduction, and then find a solution.