A negative number on a credit card bill actually means that there is an overpayment in the cardholder's account. Simply put, when your credit card balance exceeds the minimum payment you need to make, the extra money will form an overpayment, causing the bill to appear as a negative number. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", a credit card is a financial instrument that has a credit limit and overdraft function granted by the bank, and provides cardholders with services including consumption payment, credit loans, transfer settlement and cash deposits and withdrawals. A variety of financial services within.

Chinese laws, such as the "Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions", clearly indicate that credit cards refer to those issued by commercial banks or other financial institutions and have the functions of consumption, loans, transfers and cash. Electronic payment card with multiple functions such as deposit and withdrawal. Starting from December 1, 2017, in order to facilitate international communication, the English translation standards in the public service field will be officially implemented, and the standard English name of credit cards will be CreditCard. So don’t panic when you see a negative number on your credit card bill; that’s just the extra money in your account at work.