If your bill shows a negative number, it means that you don’t have to repay it, and you have even saved more money. Technically, it means over-deposit or over-payment. In fact, credit cards encourage you to consume first and then pay later. Repaying the loan does not require you to save money first, so you can spend more money for consumption or turnover. In this way, your credit card will be of no practical use. . . . However, there are still advantages, that is, you don’t have to worry about not using it for a few months, forgetting to repay small purchases and accidentally overdue it