Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card. The available amount is comprehensively judged by the user's spending power and repayment status. With good credit and timely repayment, banks will naturally increase the credit limit and encourage users to spend. So there will be changes.

Credit card available limit refers to the unused credit limit of your credit card. The available amount will decrease with each consumption of the cardholder and recover with each repayment of the cardholder.

The calculation method of credit card available limit is: available limit = credit limit approved by the bank-outstanding debt on the bill-transaction amount that has not been recorded but has occurred-other related interests and expenses.

Unpaid recorded amount refers to the amount of credit card transactions that have been booked but not returned; Cumulative used unrecorded amount refers to the amount of credit card transactions that have occurred but have not been accounted for; Other related interests and expenses refer to interest such as cash withdrawal or installment payment.

For example, if the credit line is 20,000 yuan, the outstanding amount is 654.38+0,000 yuan, and the used unrecorded amount is 4,000 yuan, the available line is 6,000 yuan.