It is normal for the balance of Ping An Credit Card to be negative. It means that you have paid more money to the bank before. This part of the money is called the overpayment of the credit card.

The bank will give priority to deducting this part the next time you make a purchase with your card, and will only deduct your credit limit after the deduction is completed. However, it is not recommended to deposit a large amount of money into a credit card, because there is no interest generated when depositing money into a credit card. In addition, if you want to withdraw money in an emergency, certain handling fees may be charged.

Extended information:

Bank regulations:

The remaining amount to be repaid in the current period = the bill amount in the current period - the repaid amount in the current period. If the amount you have repaid this period is greater than the consumption amount, then the amount you should repay this period will be a negative number, so don’t worry too much.

A credit card is not the same as a debit card. The bank will approve a certain amount for you, and you can spend it first and then repay it. Some users don't know how to use credit cards at the beginning and will deposit a sum of money in advance, such as 1,000 yuan, and spend 500 yuan that month. If the credit card limit is a negative number, -500 yuan will be displayed.

Baidu Encyclopedia - Overpayment

Baidu Encyclopedia - Available Amount