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You can display a watermark in an empty cell.
Create a Style object and set the watermark property. Use the setStyle method to apply the style to a cell, row, or column.
Text will not overflow into a cell that contains a watermark.
The following code saample displays a watermark in cell B1 and B2.
var type = new GC.Spread.Sheets.Style();
type.watermark = "User name";
sheet.setStyle(0, 1, type);
var type = new GC.Spread.Sheets.Style();
type.watermark = "Password";
sheet.setStyle(1, 1, type);