Credit card arrears in the previous period refer to the money that you should return to the bank on the due repayment date after using the credit card.

If the arrears are positive and there is a reminder of the minimum repayment amount above the bill, it is full repayment and the minimum repayment amount.

If the debt is negative, it means that you have extra money in your card, which may be the last repayment or a refund.