if you don't expect repayment, your credit will not be affected. A negative available limit only means that you have used up the limit in your card. A negative credit card limit has little to do with credit reporting, and a negative credit card limit will not be used for credit reporting in essence. Of course, if the limit is negative due to the over-limit use and the temporary limit has not been repaid, if you have not repaid it, it will be overdue and you will report it to the credit bureau.

credit limit

credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only spend by swiping your card within this limit, and beyond this limit, you cannot spend by swiping your card normally.

the credit limit is approved by comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The main card and the supplementary card * * * enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of a dual-currency credit card can be converted to each other. For example, your limit is 3, RMB, and when you use the card abroad, your credit limit is equivalent to about 5, US dollars.

The credit limit will be adjusted by the bank on a regular basis, but you can take the initiative to provide relevant financial proof to request the adjustment of the credit limit. In addition, when you need a higher credit line in a certain period of time when traveling abroad or moving to a new house, you can ask for a higher temporary credit line.

for those with fixed income, civil servants or employees of financial institutions such as large banks have the highest relative quota. The size of the company where an individual works and his position level also have great influence. The type of account will also have an impact. The biggest influence is usually personal income (that is, solvency, including asset status, historical credit records, etc.).

it's possible to set a credit card limit of 1,-1,. There are many factors that affect the credit limit. The standard of each bank is different, depending on your personal credit.

The credit card limit is negative for the following reasons:

1. Overrun overdraft

When the cardholder uses up the credit card limit and overdraws it, your credit card limit will also be negative before repayment.

2. There is overpayment

When the cardholder repays the credit card, if it is overpaid, the overpaid amount will form an overpayment in your card, and this overpayment will also lead to a negative credit card limit. Later, when using a credit card, the overpayment is deducted first, and then the credit card amount is deducted.

3. Temporary line expires

When the credit card line is insufficient, sometimes a temporary line will be applied for use. When the cardholder uses the temporary limit, or the temporary limit expires and has not been repaid, your credit card limit will be displayed as negative.