It may be due to a return. It is recommended to contact the bank staff immediately.

1. The first situation is a temporary negative number. This is because the account-level point balance you initiated the redemption application is insufficient, but the customer-level point balance is sufficient. Therefore, when the system deducts points, it will be added to your account when you initiate the redemption application. The account that initiated the redemption application temporarily generates negative points, which will automatically return to zero the next day, and the point balances of other accounts under your name will also be reduced accordingly. You can check and confirm through other points inquiry channels such as our customer service hotline;

2. The second case is a permanent negative number, and the cardholder refunds the money due to returns, purchase order disputes, etc. Or the original transaction is confirmed by the bank as a cash-out, fraud or other non-genuine transaction. In this case, the points will be permanently negative.

3. A negative credit card balance means that you have paid more money to the bank before. This situation is called a credit card overpayment.

Credit card overpayment: refers to the funds overpaid by credit card customers during repayment or the funds deposited in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.

For example, if you need to repay 800 yuan this period and the actual repayment is 1,000 yuan, the extra 200 yuan is the overpayment. If you deposit money into your credit card in advance without consumption, you cannot withdraw this money. If you want to withdraw it, you will be charged a high fee, so you should try to avoid it. No interest will be accrued on overpayments placed on the card.

In fact, banks do not encourage cardholders to charge money to their credit cards because credit cards adopt a consumption-first-repayment model. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. At the same time, the handling fees for withdrawing cash from credit card overpayments vary from bank to bank.

4. When the credit card balance is negative, cardholders also need to pay attention to the following matters: all accounts must be settled before canceling the credit card, and the overpayment should be cleared by cash withdrawal or card swiping. Credit card overpayments are overpayments that should be owned by the cardholder. Many banks charge additional fees for cash withdrawals from credit card overpayments. Tip: Don’t panic if you encounter a negative credit card balance again. It’s not the money you owe but the excess money.