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.
Extended data:
Relevant clauses of bill installment agreement
The principal payable in each installment of the bill = the total principal payable in installments ÷ the number of installments, and the principal payable in each installment is credited to the cardholder's credit card account every month. If the total amount of installment principal cannot be divided, the remaining part shall be recorded in the last installment; If any amortization amount is overdue, the bank will charge the cardholder liquidated damages, revolving credit interest, etc. Comply with the relevant laws and regulations and the relevant provisions of the banking regulatory agency. ?
The installment fee for bills is divided into monthly bills and one-time bills. The billing installment fee depends on the credit status of the cardholder and the comprehensive service cost provided by the bank for the cardholder.
After the cardholder successfully handles the bill installment, if the cardholder fails to fully repay the remaining bill amount after deducting the bill installment amount in the current period, it will be regarded as incomplete repayment, and even after the customer applies for bill installment, it will still generate circulating credit interest or liquidated damages. ?
Baidu encyclopedia-credit card available amount
China guangfa bank-bill installment agreement