Credit card (debit card) has negative deduction, which means that the current total amount is less than the available amount. It is recommended not to prepay. After the bill comes out, repay according to the amount owed. Generally, you need to pay off the negative amount in one lump sum, and you can't pay the minimum amount in installments. Specifically, we should combine the two repayment amounts to make a judgment.
Pay attention to the credit card (debit card) deduction negative repayment, not how much money will be recovered, but the total repayment MINUS the negative number is the real recovery amount.
What if the credit card number is negative?
Negative credit card is generally because the credit card amount exceeds the repayment amount, and the extra repayment amount is overpaid, that is, negative credit card. When the next bill is deducted, deduct the overpayment first, and then deduct your credit line; In addition, it is also possible that temporary restrictions have expired, and temporary restrictions are generally time-limited. If you use a temporary line, the expiration of the temporary line will also lead to a negative credit card, so just repay it.
On the card face of a credit card, there are at least the following information: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and validity period (generally calculated to month). Chip account and card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ). Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments.
Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan. After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal. Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
What if the available credit card limit is negative?
Have you ever encountered this situation when using a credit card? When inquiring about the available credit card limit, it was actually negative. Ms. Zhang encountered this situation, so she specially consulted, what should I do if the credit card available amount is negative?
Two days ago, when Ms. Zhang paid for something in the supermarket, the cashier told Ms. Zhang that her credit card limit was not enough and she finally gave cash. Later, Ms. Zhang checked it herself. It turned out that when Ms. Zhang swiped her card, she found that the money was not enough, so she applied to the bank for a temporary quota. A few days ago, the temporary limit expired, and the final repayment date has not yet arrived, and her credit card limit has become negative.
At the same time, in addition to the temporary limit that has just expired, credit card spending beyond the limit will also turn the credit card limit into a negative number. For example, your credit card has a fixed limit of 5000 yuan. If you spend money by credit card and the amount exceeds the fixed limit, your credit card limit will become negative.
What about the negative credit card limit? No matter whether the temporary limit expires or the consumption exceeds the limit, the credit card can continue to be used as long as the money is paid back.
Don't panic when the available credit card limit becomes negative. The most direct way is to call the hotline on the credit card, find out the reason and repay the loan. At the same time,
You can handle all credit cards quickly and safely!
How to pay back the negative part of credit card downgrade?
First of all, we have to log in to the mobile banking of credit cards, where we can see the credit limit of our credit cards. If the available credit card amount is negative, the credit card has exceeded the limit. At this time, in order not to affect the use of our credit card, we can repay in advance, as long as it is greater than the negative amount. Most banks' credit cards support early repayment, and only a few banks' early repayment will be regarded as excessive repayment (it cannot be used for repayment, and there is a handling fee for withdrawal). If you don't want to repay in advance, you can repay the credit card after the credit card bill comes out according to the bill amount, and there will be no handling fee. We just need to pay the bill in full before the final repayment date.
Do I have to pay for negative credit card repayment?
Do I have to pay for negative credit card repayment?
If the credit card repayment shows a negative number, there is no need to repay again. When the credit card repayment is negative, it means that the user has repaid before the repayment date. When repaying in advance, the paid amount also exceeds the payable amount in the current period, and the excess is shown as negative. Therefore, under the premise of prepayment, there is no need for negative repayment by credit card.
Why is the credit card payable negative?
If the amount due on the credit card bill is shown as negative, it is generally because the customer repays in advance before the bill is issued, and the amount paid exceeds the amount due in the current period, and the excess is shown as negative.
For example, a customer spends 5090 yuan a month, and has repaid 6000 yuan before the bill is issued. After the bill is issued, the repayment amount is shown as negative 100. Customers do not need to repay during this period. After the new bill comes out, they will increase new consumption and pay back the money.
In fact, if this amount is shown as negative, it means overpayment. Customers can use the card first, pay back after checking out, or withdraw money directly.
If the credit card limit is negative, it is generally because the customer has used a temporary limit, which has expired, but the bill has not been paid off; Or the customer has used the over-limit line. Generally, as long as the customer repays, the amount will naturally not be displayed as a negative number.
How to pay back the credit card with the money from the credit card?
Credit card repayment cannot be directly transferred by credit card. Credit cards can only be repaid by debit cards or savings cards, third-party platforms and other cash. Credit card repayment does not support credit card repayment. If you withdraw money from one credit card to return it to another, this behavior not only needs to pay the withdrawal fee, but also violates the rules.
So much for the introduction on how to return the credit card.