What you want to ask is what does the negative balance of the Postal Savings Bank mean? The reason for this is the following：

1. If the bank is in arrears, the account balance will become negative: the bank will charge a certain annual fee and small account management fee every year, and the bank card will be in arrears if the long-term balance is insufficient.

2. The bank card is frozen: when the amount frozen by the court exceeds the balance of the bank card deposit, the available balance of the bank card is negative, and users can check the frozen institution and details at the bank outlet.

3. Credit card overpayment: When the credit card balance is negative, it is because the user overpaid when repaying; When the repayment amount of the bank credit card exceeds the loan amount, the excess will be displayed in negative numbers, which is called overpayment.