Available balance, that is, available quota. Available credit limit refers to the credit limit that your card can immediately use for transactions.

The available credit limit is calculated as follows:

For example: your credit limit is 20,000 yuan, the accounted unpaid amount is 10,000 yuan, and the unaccounted used amount is 4,000 yuan, and the overpayment is 0 yuan, then your available limit at this time is 6,000 yuan.

Note: The available limit will decrease with each consumption and will be restored with each repayment.

The balance represents the amount you have currently overdrafted into your account. Remember in the future, if the balance is a positive number, it means that you have overdrafted the amount in your account; if the balance is a negative number, it means that there is an overpayment (your own extra deposit).

Subtitle answer: The balance of 9.09 is the amount that needs to be repaid on this repayment date. The available credit limit of 9922 is the unused credit limit. In other words, you spent (or cashed out) 78 yuan. Of the 78 yuan consumed, 9.09 yuan was consumed before the 10th of the bill date, and the rest was consumed after the 10th (the bill has not yet been issued, and will be reflected in the bill issued on the 10th of the next month)

Extended information:

For example: your credit limit is 20,000 yuan, the unpaid accounted amount is 10,000 yuan, and the used but unaccounted amount is 4,000 yuan, then at this time you The available limit is 6,000 yuan.

Note: The available limit will decrease with each consumption and will be restored with each repayment.

The symbol for credit card limit: "-" means the amount of money that exceeds the credit limit of the credit card. "" represents the amount of credit available on the credit card.

It is very simple to distinguish between the credit card account balance and the available balance. You can remember it like this: the account balance is the amount that has been overdrafted, and the available balance is the amount that has not been overdrafted and can continue to be used. The available balance is also the available amount.

The unpaid credited amount refers to the amount of credit card transactions that have been billed but not yet returned; the accumulated amount that has been used but not credited refers to the amount of card transactions that have occurred but not yet been billed; other related Interest and fees refer to interest on cash withdrawals or installment payments.

Available credit limit = credit limit approved by the bank - outstanding balance on bills that have not yet been paid - transaction amount that has not been recorded but has occurred - other related interest and fees.

The credit card limit we usually refer to is the credit limit. The credit limit is determined by the bank based on the application materials you submit. If the applicant has a stable source of income and a good credit status, the bank will approve the limit. It will be higher.

Card holders can spend or withdraw cash within the credit limit. Supplementary credit card holders can share the total credit limit with the main card holder, or the main card holder can set it up for the supplementary card. Fixed amount.

Reference material: Baidu Encyclopedia - Credit card available limit

Reference material: Baidu Encyclopedia - Account balance