You should be able to continue spending, because the negative number is the amount you spend, and the positive number is the amount you can withdraw cash from the ATM:
1. Credit card available limit refers to the unused credit limit of your credit card. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.
2. All bank credit cards are the same, the amount is negative, the amount swiped is negative, and the positive number is the overpayment you deposited. Your credit card account is negative. If you have a deposit balance, you will be overpaid, so you will repay in this period. There is usually such a formula that the total repayment amount of credit card in the current period = repayment balance in the previous period-paid amount/newly signed amount in other accounts/other expenses. There are two main credit card limits, including daily credit limit and maximum credit limit. Among them, the daily credit line is the conventional available line combined with the daily consumption habits of cardholders; The maximum credit limit refers to the maximum credit limit that cardholders can apply for according to their needs. The credit card bill shows that the negative number is excess, there is overpayment, and there is no consumption in this period, so the bill shows negative number (if you still owe money, it shows positive number).
3. Improve quota skills
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
Three, adhere to the application and seize the application opportunity, adhere to the application and seize the application opportunity, two-pronged. For credit card users, you can insist on applying for increasing the credit card limit by telephone.
Because different customer service or staff members have slightly different attitudes and principles in handling this application, the last one may pass without passing the next one. Sticking to the record left by telephone application will also help to increase the application amount in the future.
The available credit card limit is minus 20000.
The credit card available amount is minus 20,000, indicating that the user has paid 20,000 more. If the available credit card amount is negative, the repayment amount is greater than the amount owed, and the excess amount will be displayed in negative numbers. There is also an upper limit on the credit card limit. Once a user uses a credit card to spend, or even exceeds the limit, the limit will naturally be displayed as a negative number.
First, check the available credit card limit.
1. Just bring your ID card and credit card to the business hall of the local bank. But this method has a big disadvantage: there are many people in the bank, so I will get the number myself and wait in the waiting area.
2. Telephone inquiry. Each issuing bank has its own customer service telephone number, and customers can call for consultation if they have any questions. The operation is convenient and simple. Users only need to choose the service they need according to the prompts, and can contact the manual for consultation if necessary.
3. Online banking inquiry. Users need to log in to the personal online bank of the issuing bank, enter the login account number and password, and then make corresponding inquiries.
4. WeChat client query. By binding the credit card information with the WeChat client, the available credit card amount can be queried in real time.
Second, what should I do if my credit card is overdue?
Within 20 days overdue. Take the initiative to repay the principal and interest in arrears, and take the initiative to call the bank to explain that you are not malicious. Overdue caused by third-party institutions, such as the annual fee caused by inactive credit cards, allow banks to issue non-malicious overdue certificates. With this certificate, the loan application and bidding application will not be affected; If it is overdue for more than 20 days. If the bank fails to submit the user's bad record to the People's Bank of China after taking the initiative to repay the loan, contact the bank to inform the reason for the overdue, and the overdue record is expected to be eliminated.
To sum up, if the credit card cannot be repaid in time, you need to take the initiative to explain the reasons to the bank, and it is very likely that the bad record will be cancelled. If the time is too long and the bank has a bad record to report, as long as it actively cooperates, there will be no major problems in a few years. If bad records have appeared in the central bank's credit report, what the parties need to do is to repay the principal and late fees immediately, while continuing to maintain good credit habits.
What's the matter? Why is my credit card limit negative?
A small partner consulted and said that his credit card limit was negative. What happened? According to the truth, the credit card limit is the consumption limit given by the bank, which decreases with the increase of consumption and increases after repayment, and is positive in most cases. In fact, there are still some situations that will lead to a negative credit card limit. Let's have a look.
1. Overpayment by credit card: repayment is not required in the current period.
If the current repayment amount of the credit card is negative, then there is no need to pay back the money. If you have saved more money or paid more bank money before, it is called credit card overpayment. Popularize a term, whether intentionally or unintentionally, that is, the extra money saved when repaying is the overpayment. The next time you deduct the bill, deduct the overpaid part first, and then deduct your credit line.
Banking regulations:
Remaining payable amount in this period = bill amount in this period-paid amount in this period. Don't worry too much if the amount you pay back during this period is negative.
Credit cards are different from debit cards. The bank will grant you a certain amount, and then pay it back after spending it. Some users don't know how to use the credit card at first, so they will deposit a sum of money in advance, for example, 1000 yuan, and spend 500 yuan that month. If the credit card limit is negative, -500 yuan will be displayed.
Reminder: There is no interest on saving more money by credit card, and you have to deduct the handling fee when you take it out.
When we deposit money into a bank debit card, we will calculate interest on schedule, but credit card deposits, that is, the overpayment, are not counted as interest. Many users said they didn't understand this problem and consulted the bank staff. They say that the main function of credit card is to spend money in advance, not to be used as a savings account, and it is very troublesome to deposit and withdraw money with credit card, so we encourage everyone to return it first and charge a handling fee, not counting interest.
2. Temporary limit exceeded: the available/cash withdrawal limit is negative.
Another situation is that the temporary credit line exceeds the limit. For example, a user's credit card limit is 20,000 yuan. Because of the urgent need for large funds, he applied for a temporary credit limit of 5,000 yuan, and brushed 23,000 yuan before the temporary credit limit expired. Then the available credit card limit for repayment is negative, showing -3000 yuan.
The validity period of the temporary limit of different banks is different. For example, China Merchants Bank generally takes 30 days, China Everbright 45 days, Xingye 1 month, and the construction period is 3 months. There will be a SMS reminder when the temporary quota is opened, or you can log in to the bank or pay attention to the official account of WeChat to inquire about the specific deadline. After the temporary limit expires, the fixed limit will be automatically restored. If there is no repayment at that time, the available credit card limit is negative, so you can no longer use the credit card, and you can continue to use it after paying back the money.
If the credit card limit is negative, first judge whether the bill repayment limit is negative, or whether the available limit and cash withdrawal limit are negative. If it is the former, it is a good thing, which means that there is no need to repay in the current period, and the negative balance can be deducted when spending by credit card in the next period. If it is the latter, it means that you can't use this card before repayment, because the available amount is negative, so just repay as soon as possible!
How is the credit card limit negative? What are the consequences of negative quotas?
Credit cards have always been used in our daily consumption, and spending in advance through credit cards has become a consumption pattern of many people, mainly because credit cards themselves are limited. However, sometimes the credit card limit may become negative. So, what is the credit card negative limit? What are the consequences of negative quotas? I will answer your question today.
How is the credit card limit negative?
I. Expiration of temporary quotas
When the credit card limit is not enough, people sometimes apply for a temporary limit to use it. And when you use the temporary limit, or the temporary limit expires and you haven't repaid it, then your credit card limit will be shown as negative.
2. Overdraft
When you use a credit card, your credit card limit will be negative before you repay it.
Third, there is overpayment.
When you pay back your credit card, if you overpay, the overpaid amount will be overpaid in your card, and this overpayment will also lead to a negative credit card limit. Later, when using a credit card, the overpayment was deducted first, and then the credit card amount was deducted.
What are the consequences of negative credit card limit?
There are three main situations in which the credit card limit is negative, and none of them will have any consequences. For example, the temporary quota has not been repaid or exceeded, so it should be repaid as soon as possible. Of course, you have to pay the over-limit fee for over-limit use.
Will the credit card limit be negative at the meeting?
Credit card negative limit has little to do with credit reporting, and it will not be used for credit reporting in essence. Of course, if the limit is negative due to over-limit usage, and the temporary limit has not been repaid, if you have not repaid, it is overdue and you will report it to the credit bureau.
The above is about "what is the negative credit card limit?" What are the consequences of negative quotas? "The answer. If your credit card limit is negative, it is probably caused by the above situation. However, there will be no consequences if the quota is negative, so you can rest assured.
Is the credit card negative limit important?
Credit card negative limit is mainly caused by over-limit use or temporary credit limit, which will not affect the cardholder's credit information, and can be restored as long as it is repaid normally.
Generally speaking, there are two reasons for credit card negative limit:
1. In order to avoid the embarrassment of users swiping their cards, some banks have opened the over-limit payment function by default, which is what we usually call credit card overdraft. This will result in a negative credit card limit.
2. The temporary credit card limit expires: there are two kinds of credit cards, one is temporary and the other is permanent. Temporary quotas are generally time-limited. When the snack quota expires and the repayment date is not reached, the quota will also be negative.
No matter what kind of situation leads to a negative number, as long as the repayment is made, the amount will return to normal, and the credit card can be used as usual. However, if it is overdrawn, it is better to repay it as soon as possible to avoid generating interest.
At present, the negative credit limit will not affect personal credit, and users will not be drawn into the list of bad credit records. In order to protect your own interests to the greatest extent, you should still do what you can when you consume.