Hello, the balance of the credit report is arrears, which means that loans overdue has not handled it, and it also represents the loan amount and interest. For example, when applying for a credit loan, the credit line is 654.38+10,000 yuan, and 50,000 yuan has been used. The credit report shows that the balance is 50,000 yuan. The credit line of the credit card 10000 yuan has been overdrawn by 5,000 yuan, and the credit report will show the balance of 5,000 yuan.

If the balance of the credit report is not handled, it will not be approved in future loans. The overdraft balance in the personal credit report refers to the credit line that the individual has used, and the overdraft line generally refers to the maximum amount that a credit card can overdraw.