If the credit card debt of Shanghai Pudong Development Bank is negative, it means over-repayment. Not only do not owe money, but also a lot, all of which are caused by excessive repayment of credit cards.

In fact, this is a common practice in the industry. If the cardholder fails to repay in full, the balance of the bill will be shown as xx yuan. If the repayment is excessive, the excess will be shown as xx yuan. A negative sign indicates that the credit card account has a balance, and no negative sign indicates that the credit card has not been paid off.