Balance means that the recorded consumption amount does not include the unrecorded consumption or installment (generally speaking, it is arrears), a negative number means excess deposits, and a positive number means the amount that needs to be returned. Shows that your balance is negative, which means how much money is left in your account when you inquire, and negative indicates that there is cash in your credit card. But if you spend money, you can use it directly, and it has an integral function. If you withdraw cash, you will be charged a handling fee. It is recommended to spend money rather than withdraw cash. If you withdraw more than your cash, you will be charged interest at a daily rate of five ten thousandths.