1. Overpayment: Overpayment by credit card means that the cardholder deposits money into the credit card, or overpays when the credit card repays. Overpayment will become overpayment by credit card, resulting in a negative credit card limit.

2. Temporary limit: Credit cards may provide some temporary limits for cardholders during holidays or activities. When the cardholder uses the temporary limit for consumption, the negative limit will be displayed when the repayment is not made. Temporary limit can be used to increase the cardholder's limit in a short time. There is no restriction on the temporary quota like the fixed quota, and a one-time repayment is required after the temporary quota expires.

3. Consumption in advance: After applying for a credit card, you can still use your credit card normally after using the fixed amount. Some credit cards will have an overdraft limit for early consumption. When the cardholder still swipes the card after the fixed amount is used up, the credit card limit will show a negative number.