A negative balance means that you paid back the money in Carido.
The concept of "balance" here is different from the debit card balance, which is the money owed by the customer to the bank. If the available amount is zero, if it is negative, it means that there are more repayment times.
Available balance refers to the amount that has been consumed and has not been repaid (including interest and late fees). Credit cards may be frozen by banks because of overdue repayment, and only "available amount" and "balance" are displayed. There is no "available balance" in the credit card bill, or it may be because of their own repayment methods, including the credit limit (the maximum overdraft limit of the credit card) and the amount deposited in the credit card. It refers to the maximum amount that a credit card can use. It is suggested to call the customer service hotline of the credit card center for inquiry, but we have not received the credit card limit from the bank, which is commonly referred to as the credit card available limit. The "balance" here refers to the amount that the customer has not repaid after consumption, and the excess has been repaid.
Why is the available credit line negative after CITIC Bank handles a single installment business?
Because the credit card has exceeded the limit and turned into a negative number. When the repayment amount of the credit card is greater than the amount owed, the extra part will be displayed as a negative number, which is called overpayment.
Credit card customers will pay a certain fee to withdraw the overpaid funds when repaying the overpaid funds or the funds deposited in the credit card account. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.
After successfully applying for bill installment or single installment, the installment amount will occupy the cardholder's quota, which will recover with the cardholder's repayment in each installment.
Extended data:
"Overpayment" does not include interest, in other words, it is not good to "recharge" the credit card in advance and then spend it badly. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".
If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card. This can reduce the handling fee.
If the cardholder encounters "overpayment", he should spend the overpayment by swiping the card to avoid unnecessary expenses.
Baidu encyclopedia-overpay
Baidu encyclopedia-China citic bank credit card center
There is a charge for the credit card bill of CITIC Bank. What do positive numbers and negative numbers mean?
The current fee, the amount shown in the fee is the amount owed by this credit card in my name.
(1) If a positive number is displayed, it is the repayable amount.
(2) If a negative number is displayed, it means that there is still a deposit in this card and there is no need to repay it.
Contents of current expenses:
(1). The expenses incurred in this period should belong to this period.
(2) Although it has been paid in the past, it should belong to the current expenses (deferred expenses).
(3) Expenses that have not been paid but belong to the current period (accrued expenses).
Extended data
Relationship between current expenses and period expenses:
The expenses incurred in the current period are not necessarily offset by the current income, and some of them are offset by the current income, which belongs to the current expenses; The other part should be allocated to other accounting periods to offset the income of other accounting periods, which is called intertemporal expenses.
The enterprise has paid the prepaid expenses to be shared by the current period and subsequent periods, and the amortization period is less than one year; There are also accrued expenses that the enterprise has accrued from the cost according to the regulations but has not actually paid.
Baidu Encyclopedia-Current Expenses
This is the end of the introduction of the meaning that CITIC credit card bill is negative and CITIC Bank debit card is negative. I wonder if you found the information you need from it?