The negative credit card limit is probably due to the overpayment of the credit card before, or it may be due to the expiration of the temporary credit card limit or the excessive use of the credit card. What should the cardholder pay attention to when the credit card balance is negative?

What should I pay attention to when the credit card balance is negative?

1 All accounts shall be settled before the cancellation of the credit card, and the overpayment shall be settled by withdrawing cash or swiping the card;

Credit card overpayment belongs to overpayment, and the ownership should belong to the cardholder;

Some banks have to charge an extra fee for withdrawing credit card overpayments. For example, CCB's credit card overpayment, local cash withdrawal is free, and fees are charged in different places.

4 credit card transactions have points, and the points will be invalid after the card is returned;

If this credit card has many points, you should exchange gifts before returning the card. If the points are less, you can directly return the card.

Credit card cancellation cannot be handled at outlets, so you can only contact the credit card center indicated on the back of the card by telephone to apply for cancellation.

The above has sorted out six points for attention about the negative balance of credit cards. I hope this answer is helpful to you.