1. Account balance: indicates the overdraft or balance of the card. When the credit card account balance is positive, it means the deposit balance of the card; When the balance is negative, it means the card's debt (overdraft balance).
second, available balance: it is the credit line minus the account balance. If the credit line is 1, it means that the credit card can be overdrawn by 1 yuan (or equivalent foreign currency, if the foreign currency is limited, the foreign currency overdraft will be limited). It refers to the credit line of the credit card that has not been used. Calculation method: credit card available amount = credit limit-outstanding paid-out amount-accumulated amount used but not accounted for. When the current balance of the credit card is "", it means that the credit card limit is not overdrawn, and the available balance of the credit card means that this card still has this amount of limit to overdraw or spend.
Extended information: Reasons for the difference between the available balance and the account balance
1. Debit card account balance indicates that the business is not completed. For example, when the fund is purchased in the fund business processing room, the fund is temporarily purchased to freeze the business in the fund business room, and the fund freeze in the fundraising period is removed only when the money is purchased at the end of the wealth management product, and the balance in the account is cancelled.
2. fund purchase is not operated during the fund business processing hours, and the fund purchase funds will be temporarily frozen, and this business will be completed within the next fund business hours. When purchasing wealth management products, the money will only be withdrawn at the end of the period, and the funds will only be frozen during the fundraising period;
3. There is also a case of judicial freezing and partial balance freezing. The available balance is the actual balance of the account minus the frozen balance. Credit card If you deposit money in it yourself, the available balance is the credit limit plus the deposit. The account balance is your own deposit balance.
Supplement: If the bank fails to enter the account in time, it may show that the balance on the bank card is inconsistent with the available balance. The account balance is the balance of the account at a certain point in time, that is, how much money is left on it, but the current available balance of the account is that there is so much money on the account at that time, but some of it can't be used (it is common to sign an agreement with the bank, and a certain amount of money must be used on it every month, which is a bit like a deposit, and this amount can only be used after the agreement is dissolved or the account is closed). The available balance is disposable at that time, and the general account balance is greater than or equal to the current available balance of the account.