First, only the minimum repayment amount.

For financial reasons, many friends spent all the balance in their cards within a billing cycle, which is what we often say, maxed out their cards, and then only paid the minimum repayment amount on the last repayment date (Baidu, I didn't understand it, circled the credit card in white), so the balance in the card will be negative when the next sunrise bill is issued. Arrears are interest on some funds that have not been fully repaid.

Second, the temporary quota expires.

Temporary credit card line is a temporary credit line granted by the bank on the basis of a fixed line. The temporary withdrawal of credit card is different from the fixed amount of credit card, and the term is generally one month. It cannot be repaid in installments or according to the minimum repayment amount. In this way, on the repayment date, you will find that the available amount of the card is negative.

The two phenomena mentioned above are that the credit card available amount is negative, that is to say, it has exceeded the limit, not that our real balance is negative. Then there is another situation where the balance is negative, which will be introduced below.

Three. Overpayment

What is overpayment? Overpayment refers to the remaining amount after the cardholder repays all the funds payable in this period. You don't understand, do you For example, the credit limit of a credit card is 30000, the current overdraft is 1000, and the repayment is 15000. At this time, 5000 is overpaid. At this time, the credit line is 30000, the available line is 30000, and the balance is -5000.

So you have to see clearly what amount is negative in the credit card bill. If the "repayment amount" is negative, it means that the credit card has the user's own money. However, if the available quota is negative, the situation is that the limit has been exceeded. You can call the customer service phone of the bank credit card, and then consult the specific calculation method of the available limit in detail. Or log in to the credit card online bank directly, and click "account management"-> "account inquiry" to inquire about the credit card limit. You can also make a telephone voice inquiry, dial the credit card service hotline, verify your identity, and enter the "credit line inquiry and adjustment" according to the voice prompt.