You cannot continue to use your credit card, withdraw cash or overdraft, which affects your credit record.

1. The credit card cannot be used anymore: If the credit card limit becomes a negative number, the cardholder will not be able to continue spending on the credit card until the limit returns to normal or the balance is paid off.

2. Unable to withdraw cash or overdraft: If the credit card limit becomes a negative number, the cardholder will not be able to withdraw cash or overdraft through the credit card.

3. Impact on credit record: A negative credit card limit will have a negative impact on the cardholder's credit record. Banks and credit institutions usually report the use of credit card limits to the credit bureaus. Cardholders who are in debt for a long time will lower their credit rating and make it difficult to apply for loans or credit cards in the future.