When the credit card has not been billed, it will be displayed as a negative number, which means that there is an overpayment on the credit card, but the consumption amount in this period is less than the overpayment, so it will be displayed as a negative number when the bill has not been issued. At this time, the negative number indicates that there is a balance in the deposit, and the user does not need to return the bill after making the payment. When there is an overpayment on your credit card, the system will give priority to deducting the overpayment amount for consumption.

Generally speaking, there are the following three situations for negative bills:

1. If the "repayment amount due for the current period" in your bill is a negative number, it means that the RMB or If there are excess deposits in the foreign currency account, you do not need to make any further repayments. This statement is only for your reconciliation reference;

2. Since the credit card is a debit card, all expenditures from the credit card will be deducted from the credit card. A positive sign ( ) is marked, and deposits to credit cards are marked with a negative sign (-);

3. If there are merchant refunds and other amounts recorded in the account, they are also marked with a negative sign (-) in the bill details. .

If there is an overpayment, the system will deduct the available limit of the credit card only after the overpayment is deducted. Therefore, you do not have to withdraw cash if you have an overpayment. The system will give priority to using it as long as you consume.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.