There are several reasons for negative credit card repayment:
1. Credit card downgrade: after the bank divides the credit card, the current total amount is less than the available amount, because the total amount becomes negative, and the repayment will be negative.
2. Credit card exceeds the limit: Many banks can disclose it within 5% of the limit. If the credit card exceeds the limit, the repayment will become negative.
3. Use temporary credit line: When a credit card has a temporary credit line, some temporary credit lines will be negative after refreshing the fixed credit line.
1. The credit card is over-repaid, and the extra funds saved during repayment are over-repaid. If the current payable amount of the card is negative, there is no need to repay. When deducting the next bill, the overpayment will be deducted first, and then your credit limit will be deducted.
2. Temporary restrictions expire. Some users apply for temporary restrictions when they need money badly. Because it is temporary, it must have an expiration date. Therefore, when the temporary limit expires, the credit card will be restored to the original fixed limit and its available limit will be deducted, resulting in a negative situation. It should be noted that when the temporary restriction expires, it is usually included in the current bill. This part of this part can only be fully repaid, and you can't choose to limit repayment.
3. Overuse. After use, the credit card balance will become negative, and banks with overdrawn credit cards will charge high excess fees and will not enjoy the free period.
4. High-quality customer tolerance. Some banks offer special tolerance policies to some high-quality customers. For example, you are a good customer of the bank. Your current available limit is only 500, and then spend 600. If the bank can successfully spend this kind of transaction, it will make you spend a "slip" card for it. After the transaction is successful, the available line will be displayed as-100.
5. If the credit card limit becomes negative, it means that the credit card payment is excessive. For example, the debt 80 yuan, repayment compensation 100 yuan, then more than 20 yuan is called overpayment, which is shown as -20. If the user needs to repay the arrears, it will display a positive number in the form. For example, if the user needs to repay 80 yuan, it will be displayed as 80. Note: Cash withdrawal fee is paid for unloading.
Credit limit: refers to the total amount of the cardholder, including fixed limit and temporary limit.
Availability restriction: refers to the restriction that the cardholder's credit card is not used. With the cardholder's consumption, it will be reduced and restored through the cardholder's repayment.
I hope I can help you.