The remaining payable amount in this period is negative (called overpayment), that is, the individual with balance in the card has paid off the bill, and it also exceeds the repayment bill amount. The negative amount is the amount that the individual has deposited in the bank.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.
each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Extended information
Credit card repayment methods mainly include:
1. Intra-bank repayment
The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer and telephone banking repayment. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.
2. Mobile phone repayment
A mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Arrive at the account immediately
3. Repayment of convenience stores
Repayment of convenience stores is mainly completed through the "Lacarra" smart payment terminal installed in convenience stores. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.
4. Online repayment
The common online repayment methods in China are: Baidu wallet, UnionPay online, quick money, and? Shengfutong, Alipay, Yifubao and so on. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.
Baidu Encyclopedia-Credit Card
Baidu Encyclopedia-Overpayment