Excuse me, the total credit card debt shows -0.6. What does this mean? Do I still owe the bank 0.6? The CCB card is shown in the figure.

Total liabilities are all kinds of debts you owe in the bank, mainly credit card overdrafts. The total credit card debt shows -0.6, which means that you owe the bank 0.6 yuan. Even if you owe a penny, it will affect your credit and credit investigation. When financial institutions inquire about personal credit information, the total debt will be directly included in the personal debt ratio. When the personal debt ratio is too high, it may not pass the loan review. When a user applies for a loan, sometimes the lending institution will ask the user to settle all previous debts. At this time, all the debts of the credit card must be paid off in advance.

The main business of banks is deposits and loans. It is worth noting that at the end of 20 18, the loan balance of China Construction Bank in inclusive finance was 6.310/700 million yuan, an increase of 21251500 million yuan over the previous year, with an increase of 50.78%. Balance and new loans rank first in the industry. On the topic of inclusive finance, Zhang Gengsheng pointed out that inclusive finance is now demanding more and more loans. Not only do you need to check personal credit, but you also need high requirements such as sesame credit score and credit card.

China Construction Bank's main business: China Construction Bank provides credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans.

1, personal housing loan business

Personal housing loan business refers to loans provided by China Construction Bank or natural persons entrusted by China Construction Bank to purchase, build and overhaul various houses in China Mainland. CCB's personal housing loan business mainly includes self-operated personal housing loans, namely personal housing mortgage loans (including personal first-hand housing loans, personal re-trading loans and housing loans, namely second-hand housing loans, personal commercial housing loans and personal housing loans). Housing mortgage loan, etc. ), provident fund personal housing loans and personal housing portfolio loans.

2. Credit card business

China Construction Bank, as a state-owned bank involved in credit card issuance earlier in China, has a wide variety of credit cards.

3. Silver Star International Express

CCB Silver Star International Express Remittance Service is a personal international express remittance service jointly launched by CCB and Silver Star International Express Remittance Company. It refers to the small international remittance business that CCB pays personal foreign exchange remittance or remits personal foreign exchange funds abroad through Yinxing Express Company according to the entrustment of customers.