If the available limit of a CITIC Bank credit card is negative, it means the limit is exceeded, which means that the used limit of your credit card is greater than the total credit limit. There will be no over-limit fee for exceeding the limit, nor will it affect your credit record. You can temporarily pay off the excess. Recently, CITIC Bank happened to have a limit increase activity. The main problem is that the limit is not enough. You can log in to the Dongka Space APP or call the customer service hotline to apply for a limit increase.