The credit line of Bank of Communications' credit card is 7 yuan, which can be used for overdraft.

available line = credit line approved by the bank-the amount owed on bills that have not been returned-the amount of transactions that have not been recorded but have occurred-other related interests and expenses.

The unpaid recorded amount refers to the amount of credit card transactions that have been billed but have not been returned; The accumulated amount used but not accounted for refers to the amount of credit card transactions that have occurred but have not yet been billed; Other related interests and expenses refer to interest such as cash withdrawal or installment payment.

Give an example

For example, if the credit line is 2, yuan, the outstanding billed amount is 1, yuan, and the used unrecorded amount is 4, yuan, then your available line is 6, yuan.

note: the available amount will decrease with each consumption, and will be restored with each repayment.

Extended information:

Charge and interest calculation

1. If the bill is not fully repaid, you will not enjoy the interest-free period

From the transaction bookkeeping date, the interest will be fully charged at the specified interest rate, and the compound interest will be calculated monthly; If the customer's repayment amount is lower than the minimum repayment amount, in addition to not enjoying the interest-free period, there will be liquidated damages.

2. You will not enjoy the interest-free period if you fail to repay the loan on time

Interest will be charged in full at the specified interest rate from the transaction bookkeeping date, and compound interest will be calculated on a monthly basis.

3. There is no interest-free period for overdraft cash withdrawal

Interest will be accrued from the bookkeeping date of overdraft cash withdrawal, and the interest will be compounded on a monthly basis, and there will also be a cash withdrawal fee.

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