When you try to use your bank card to make a purchase, you may receive the prompt "Insufficient Available Balance of Bank Card", which indicates that your current account balance is insufficient to cover your transaction amount. If it is a credit card, it may mean that your overdraft limit is full, that is, the amount spent plus possible interest exceeds the maximum borrowing limit allowed by the bank.

Bank cards, especially savings cards, usually do not support overdrafts. Once the account balance reaches zero, the transaction will fail. Credit card users can consume beyond their balance to a certain extent, but they must remember that this part of the consumption needs to be repaid within the specified time, otherwise additional interest charges will be incurred. The unrecorded transaction amount and the interest and fees that have occurred may affect your available limit.

The size of the overdraft limit is related to your credit rating and repayment ability. The higher the credit rating, the larger the overdraft limit may be. For example, although the Platinum Credit Card enjoys many advanced services, its annual fee is higher, so you need to consider it carefully when applying. The credit limit is divided into a permanent limit and a temporary limit. The former is fixedly set by the bank, while the latter may be temporarily adjusted as needed.

The formula for calculating the available credit limit is: the bank's initial credit limit minus the amount that has been billed but not repaid, and then minus the unrecorded but occurred transactions, as well as any related interest and fees. Once you know this information, make sure you have enough balance on your bank card or understand the overdraft rules so you can make transactions smoothly.