First, whether the repayment is across banks or a third party, the repayment does not arrive in real time.

Second, whether the cardholder is inquiring about the amount of cash available, not the available amount. If the repayment is made online, the repayment will be credited to the account in real time, and the available limit will be restored immediately, but the available cash limit will not change until the repayment is credited that night.