A negative credit card available amount means that the repayment amount is greater than the amount owed, and the extra part will be displayed as a negative number.

calculation method of credit card available limit:

available limit = credit limit approved by the bank-debt on bills that have not been returned-transaction amount that has not been recorded but has occurred-other related interests and expenses.

The unpaid bill refers to the amount of credit card transaction that has been billed but has not been returned;

The accumulated amount used but not accounted for refers to the amount of credit card transactions that have occurred but have not been billed;

other related interests and expenses refer to interest such as cash withdrawal or installment payment.

a negative sign in front of the available line indicates that there is a balance in the credit card account, and no negative sign indicates that the credit card still has outstanding debts. Usually, if the cardholder fails to repay in full, the balance of the bill will be displayed as * * yuan. If the cardholder repays in excess, the excess will be displayed as-* * yuan.

Extended data

Reasons for negative numbers:

1. Overpayment by credit card: If the amount payable by credit card in the current period is negative, there is no need to pay back the money. If the credit card has been saved or paid back more before, it is called credit card overpayment. Therefore, if the money you have paid in this period is less than the consumption amount, then the amount you should pay in this period is negative, so don't worry too much.

A credit card is not the same as a debit card. The bank will approve a certain amount for you, and then spend it before repaying it. Some users don't know how to use the credit card at first, so they will deposit a sum of money in advance, for example, 25 yuan, and spend 5 yuan in the current month. If the credit card limit is negative, -5 yuan will be displayed.

second, the temporary limit expires: since it is temporary, it must be valid. If there is a temporary limit, the total amount of the credit card is temporarily fixed. When the temporary limit expires, it will return to the fixed limit, and then it will deduct its own available limit, which will lead to the available limit becoming negative.

Take a chestnut as an example: Zhang went shopping in the supermarket a few days ago. When he finished shopping, the cashier told him that the balance was insufficient and he had to pay in cash. When he got home, he found that his credit card limit was negative 1 yuan.

in this case, it should be noted that most banks stipulate that the temporary limit will be included in the current bill when it expires, and this part needs to be repaid in full, not just the minimum limit.

3. Overuse: In another case, your credit card balance can be turned into negative, that is, the credit card balance can be turned into negative after being used beyond the limit. However, it is worth noting that the over-limit use is uneconomical. Banks with over-limit credit cards will charge high over-limit fees and do not enjoy interest-free period.

fourth, the minimum repayment: the interest of the minimum repayment is called "full penalty interest". Some card friends can't pay off in full because of the shortage of funds, so they can only choose the minimum repayment function recommended by the bank. At this time, if your card has been maxed out, the available amount will be displayed in the next bill at sunrise.

reference sources? Baidu encyclopedia-credit card available amount