There are generally two situations:

Paying too much before repayment

If the credit card repayment amount for the current period is negative, then there is no need to repay the money. If you deposited too much or paid too much money in the bank before, it was called overpayment on your credit card. Let’s learn about this term. Whether it is done intentionally or accidentally, it is the extra money deposited when repaying the loan. It is the overpayment. When the next bill is deducted, this overpayment will be deducted first. , and then deduct your credit limit.

2. The temporary quota has exceeded the limit

The validity period of the temporary quota of different banks is different. There will be a text message reminder when the temporary quota is opened. You can also log in to the bank or follow the WeChat official account to check the specific period. After the temporary limit expires, the fixed limit will be automatically restored. If the repayment has not been made by then, the available credit card limit will be a negative number, and you can no longer use the card for consumption. You can continue to use it after the payment is paid off.

Extended information:

The remaining repayment amount of this period = the bill amount of this period - the repaid amount of this period. If the amount you have repaid this period is greater than the consumption amount, then the amount you should repay this period will be a negative number, so don’t worry too much.

A credit card is not the same as a debit card. The bank will approve a certain limit for you, and you can spend it first and then repay it. Some users don't know how to use credit cards at the beginning and will deposit a sum of money in advance, such as 1,000 yuan, and spend 500 yuan that month. If the credit card limit is a negative number, -500 yuan will be displayed.

Reference: Baidu Encyclopedia-Credit Card Limit