The available credit line of CITIC Bank is negative (that is, the credit line exceeds the limit), indicating that the credit line you have used has exceeded the total credit card amount. There is no charge for exceeding the limit, which will not affect the credit record. You can temporarily return the overrun part first. By the way, there has been a credit card withdrawal activity of CITIC Bank recently. If the subject line is not enough, you can log in to the card space app or call the customer service hotline to apply for cash withdrawal. I successfully applied for cash withdrawal some time ago, and the increased amount is still quite large.