The total amount of credit card (debit card) refers to the amount of credit card (credit card) authorized by the issuing bank to the cardholder. The bank will adjust it regularly according to the consumption situation, which means it may increase or decrease. Available credit line is the credit line that credit card (debit card) can use immediately. For example, if the total amount of credit card (debit card) is 10000 yuan, 2000 yuan has been recorded, but it has not been recorded in 800 yuan, and the overpayment is 0 yuan, then the current available amount is 7200 yuan.

Usually, the total amount is greater than or equal to the available amount, and the calculation formula of the available amount is: available amount = total amount-booked amount-unrecorded used amount+overpaid amount. You can use this formula to calculate the current available amount of a credit card (debit card).