If you still owe money, then it shows a positive number.

1, many people will find a negative number when querying the balance. Some people think this is their own debt, but it is not. The negative number displayed on the self-service device of the credit card indicates that there is more money in your account, and the positive number displayed is the debt in your account.

2. If the credit card balance shows-1000, it means that you have saved 1000 more than you owe. ,

The extra money saved by credit card is called overpayment. It is recommended not to take it out in a hurry, but it can be used for the next repayment or direct consumption. Most banks take out the overpayment free of charge, but some banks charge fees, which are subject to the bank charging standards.

If the credit card has been used normally, it is suddenly found that the credit card limit has not increased, and sometimes the payable amount or available amount is negative, for the following reasons:

1. Overpayment in overdraft card

If the current repayment amount of the credit card is "negative", then there is no need to pay back the money. If overdraft card's money has been saved or overpaid before, it is called overdraft and multi-payment.

Popularize a term, whether intentionally or unintentionally, that is, the extra money saved when repaying is the overpayment. The next time you deduct the bill, deduct the overpaid part first, and then deduct your credit line.

Therefore, if you pay less than the consumption amount in this period, then the amount you should pay in this period is "how much is negative", so don't worry too much.

Overdraft card is not a debit card. Financial institutions will give you a certain amount of money and pay it back after consumption. Some users don't know how to use overdraft card at first, so they will deposit a sum of money in advance, such as 2000 Wu Bai dollars, and spend Wu Bai dollars that month. Then, if the overdraft card quota is "somewhat negative", it will show a negative Wu Bai dollar.

2. Temporary limit exceeds the limit: the available/cash withdrawal limit is negative.

Another situation is that the temporary quota exceeds the limit. For example, a user's overdraft card quota is 20,000 yuan. Due to the recent shortage of large amount of funds, he applied for a temporary quota of 5,000 yuan and brushed 23,000 yuan before the temporary quota expired. Then your available overdraft card credit line is "somewhat negative" before the repayment date, and it is shown as-3,000 yuan.

The validity period of temporary quotas of different financial institutions is different. For example, China Merchants Bank is generally 30 days, China Everbright is 45 days, Xingye is 1 month, and the construction period is 3 months. There will be a SMS reminder when the temporary quota is opened, and you can also log in to the financial institution or pay attention to the service number to inquire about the specific deadline. After the temporary limit expires, the fixed limit will be automatically restored. If there is no repayment at that time, the available overdraft limit is negative, and you can no longer use the credit card. You can continue to use it after paying off the money.

Third, over-limit use.

Some overdraft card offer an over-limit quota of 65,438+00%, that is, the overdraft card quota you can use in total, which is actually the original quota plus 65,438+00%. And this extra 10% will be displayed as a negative number.

Although it is cool to use too much, don't use too much, because there is no interest-free period for the over-limit amount, and the bank will charge a high over-limit fee. There is also the credit card exceeding the limit, which will make financial institutions feel insecure and doubt your economic strength, so it is good to use only 70% of the total amount in overdraft card at ordinary times. For example, did you encounter any problems when using it in overdraft card? You can leave a message in the comment area and let's solve it together.

What will happen if the overdraft limit is negative?

There are three main situations in which overdraft card's credit line is negative, and there will be no consequences. For example, the temporary credit line has not been paid back or exceeded the limit, so just pay it back as soon as possible. Of course, you have to pay the over-limit fee for the over-limit use.

Does overdraft card's negative quota affect its reputation?

As long as there is no overdraft card overdue, the negative amount will not be used for credit investigation in essence, and generally will not tarnish the cardholder's reputation. Therefore, the overdraft limit caused by the above situation is negative, which usually will not affect the credit of cardholders. However, it should be noted that if your loan exceeds the limit, it is uneconomical, and financial institutions may charge higher fees for exceeding the limit, which may not necessarily allow you to enjoy the interest-free period. I suggest you call the hotline of overdraft card Center for related matters.