The credit card balance is 0. The available limit is your credit limit. You only need to use your available limit for consumption.

This consumption is interest-free and free of handling fees within a billing period. You can do it at any time. You can use it anywhere, but you need to pay it back before the final payment date after the bill comes out

Total amount owed = credit limit - available limit means the total amount you have spent as of the time of your inquiry How much money is there in the bank (including the unpaid portion of the previous period’s bill and the used portion of the current period excluding installments)

The money you need to repay is the unpaid portion of the previous period’s bill