The plus and minus signs in CCB credit card statements have specific meanings. The plus sign isn't usually obvious, but it represents a transaction that occurred on the credit card, either a purchase or a top-up. The minus sign ("-") reveals the other side of the transaction, which may be a repayment or credit card refund.

When the repayment amount exceeds the amount owed, the excess will appear on the bill as a negative number, which is the so-called overpayment. The overpayment actually increases your credit limit, and the next time you use your credit card, this amount will be deducted first. However, it should be noted that handling fees may be incurred when withdrawing overpayment. For example, China Merchants Bank usually charges a fee of RMB 1 for each cash withdrawal, with a minimum of RMB 10. Some banks may waive this fee.

Bill management is crucial for both individuals and businesses. By checking with bank statements, companies can promptly detect and deal with discrepancies, such as unsettled items. Unaccounted items refer to amounts that have been accounted for by one party but not yet accounted for by the other party. By preparing a bank balance reconciliation, companies can eliminate the impact of these unresolved items and ensure the accuracy of financial information.