The credit card balance is the amount you spend. \x0d\ For example, if your available line is 10000 yuan and you spend 1000 yuan, then this 1000 yuan is your balance, and the remaining 9000 yuan is your available line. \x0d\ If you deposit 1000 yuan, your balance is-1000 yuan, and your available line is 1 1000 yuan. \x0d\ Therefore, when the balance is positive, it needs to be repaid; When it is negative, it means that you overpaid and don't have to pay it back.