There are two possibilities, that is, the current card is overpaid, but the current balance is negative because of installment occupation. One is that your card has been phased, and other cards have occupied the quota.
The balance on the credit card is negative and the available balance is positive. What happened?
A positive balance is arrears and a negative balance is overpayment. A positive number of available lines indicates how many lines can be used, and a negative number indicates that the limit has been exceeded.
What are the positive and negative numbers of the balance displayed by the credit card inquiry?
CCB Credit Card: You can click "Billing integral inquiry" on the CCB credit card website, enter your password and your telephone banking password, and you will be able to inquire your account.
The balance you see represents the overdrawn amount of your credit card. If it is a positive number of 5000, it means that the amount of your overdraft account is 5000; If it is -5000, it means that your Carido paid 5000 yuan (the amount you saved).
If you need to know how much money you can use now, you should look at the "available amount", which is a positive number, indicating the amount you can use at present. If the available limit is negative, it means that it has exceeded the limit (the amount exceeding the credit card limit) and can only be used after repayment.
If the available credit card amount is negative and the balance is positive, can I swipe my card?
1. There is still money on the credit card, and the available line is negative. You can also swipe your card.
2. A negative number is the amount spent.
3. Credit card available line refers to the unused credit line of credit card. The available amount will decrease with each consumption and recover with each repayment.
Credit card limit:
1. Credit card limit, also known as credit card available limit, refers to the maximum amount you can use a credit card, including the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card.
2. The amount of any credit card depends on the effective income and asset guarantee value provided by the individual during the application process. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.