The credit card balance and used credit line in the credit report are the same because they are actually different expressions of the same concept. In the credit report, the credit card balance refers to the outstanding amount owed to the credit card company at present, that is, the outstanding debt. The used limit refers to the used part of the total amount of credit card available.

therefore, when the credit card balance in the credit report is the same as the used credit line, it doesn't mean that the credit card has no debt, but it means that all the available credit lines of the credit card have been used.