Available credit line: available credit line refers to the unused credit line of credit card. To put it bluntly, it is the limit of overdraft at present. The calculation method is: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.

Credit card balance refers to the total amount that has been recorded so far, excluding unrecorded installment payment, unrecorded handling fee and interest. There is a "-"sign in the balance, which means that your current balance has a balance; There is no "-"sign in the balance, indicating that the current balance is overdrawn.

The difference between the two is that the balance is the amount of current bill repayment, and the available amount is the amount that can be used. The sum of available balance and balance is not equal to the credit limit.

Extended data

Skills to improve the quota:

First, continuous and frequent credit card consumption;

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

The frequency is to swipe your card anywhere you can, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for banks to think that there is a suspicion of cash withdrawal by credit card, and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal;

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, insist on application and seize the opportunity of application;

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on applying by phone to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.

4. Threatening to use the cancellation card or suspend sleep;

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

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