Hello, if the "amount payable in this period" of your credit card RMB or USD account is negative, it means that there is still deposit in this RMB or USD account, and you don't need to make another deposit. The bill of this period is for your reference only. If there are merchants' refunds, rebates and other amounts listed in negative values, they will be displayed in the "Current Adjustment Amount" of the bill. If RMB is returned to USD, our bank will list the exchange rate of automatic foreign exchange purchase in the transaction summary of your USD bill, so that you can know the amount and exchange rate of foreign exchange purchase. For more instructions on reading bills, please refer to: How to read bills /CusService/BillApply.aspx? Guid = 5c4cf18a-39ca-4d2b-8a21-454f679596 (you can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search for 4825555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as friends; Method 2: Search for the number "cmb4825555" on WeChat and pay attention to China Merchants Bank Credit Card Center)