Some users who have applied for a China Merchants Bank credit card said that they have encountered a situation where the China Merchants Bank credit card has a negative number. What is the reason for the negative number of the China Merchants Bank credit card?

The China Merchants Bank credit card has a negative number. There are two situations:

1. On the billing day, the cardholder discovers that the bill is a negative number.

When the credit card bill is released, the cardholder discovers that the bill is a negative number. This is because the credit card bill is negative. There was an overpayment. Xiao A used a credit card to spend 300 yuan on August 1, and repaid 310 yuan on August 3. Then the bill showed -10 yuan on August 21.

In this case, the editor of Tanqi recommends that cardholders use their credit cards to complete the consumption, because there is a handling fee for withdrawing the overpayment.

2. The credit card limit is a negative number

If the China Merchants Bank credit card is a negative number, it is the result of the cardholder using the credit card to spend more than the available limit. For example, the available limit of the credit card is 300 million. If the cardholder spends 300,010 yuan, the limit will be displayed as -10 yuan.

If the cardholder exceeds the available limit of the credit card, an over-limit fee will be charged. Normally, the over-limit fee for China Merchants Bank's credit card is based on 5% of the excess of the account credit limit, and is charged monthly.