Refers to the amount that the lender can borrow from the borrower without providing property guarantee. It usually means that a natural person borrows money from a bank, and the bank is willing to provide the highest amount of loans according to the credit status of the individual. This kind of lending relationship is usually that banks lend money to natural persons. On the other hand, it is usually necessary for commercial organizations and transnational exchanges to lend money to organizations. Users can check the available credit card amount through online banking, mobile banking and public micro-signals.

1. What does the available quota mean?

There is a difference between the credit limit and the available credit limit. The credit line can be understood as the total amount, while the available credit line is currently available. For example, the credit line of a credit card is 6.5438+0 million yuan, and 5,000 yuan has been used, so the current available credit line is 5,000 yuan. If you have never used a credit card, the credit limit is equal to the available limit.

Users can check the available credit card amount through online banking, mobile banking and public micro-signals.

Second, the installment quota

First of all, for the credit card limit, the calculation method of available limit is: available limit = credit limit-unsettled spent amount-used and unrecorded accumulated amount.

Among them, "unrecorded amount" refers to the credit card transaction amount that the cardholder has booked but has not returned; "Cumulative used unrecorded amount" refers to the amount of credit card transactions that have occurred but have not been accounted for.

In other words, when the cardholder chooses to apply for installment, the current credit card limit is the actual fixed available limit. After repayment, the fixed amount occupied by the single installment amount will be restored. In this way, it is very simple to know the installment amount of the credit card.

For example, a cardholder, Xiao Li, has an available quota of 3,000 yuan, asks him to use 1 200 yuan to buy a commodity, and chooses installment payment 12 yuan, so the single installment amount is 1 1,000 yuan. After successful application, the available credit card limit will be changed to 1800 yuan; After the first repayment of 100 yuan, the available line will be restored to 1900 yuan, and so on.