Credit card -0.01 means that the account has an overpayment of 0.01. According to relevant query information, a negative balance on a credit card bill refers to the money that exceeds the credit limit. In fact, it is an overpayment. This amount can increase the available limit of the credit card or be used directly for consumption. However, the overpayment can only be transferred to the debit card of the same person in my name, and it is not free, and there is a small handling fee.