A credit card with a negative available limit means that the cardholder's credit limit has been used up and spending exceeds the fixed limit. Until repayment is completed, the credit card's available balance will appear as a negative number. There are two situations that can lead to a negative credit card limit:

1. When the cardholder uses the "over limit" function of the credit card, which means that purchases are made above the card's fixed limit. Available limits are shown as negative numbers. Generally, the purchase limit consumption of a credit card cannot exceed 10% of the credit limit, and a purchase limit fee is required to use the purchase limit consumption.

2. When the cardholder uses up the fixed limit of the credit card, use the temporary limit to make purchases. When the temporary limit expires, it is reclaimed and the credit card's available limit appears as a negative number. Of course, the expiration of the temporary limit will not lead to early repayment, and cardholders can still wait for the bill to come out before making repayment.

How long does it take for the credit report to be updated after a credit card payment?

Usually day T+1. Credit bureau data are reported by banks or other financial institutions. After using the new version, the credit report after credit card repayment will be updated the next day. Since your credit is currently being updated very quickly, you must repay it on time. Otherwise, if you are overdue today, you may have reported credit to the central bank tomorrow.