The difference is as follows: the credit card account balance refers to the total amount owed by the cardholder in the credit card account, that is, the amount spent but not repaid. The balance includes the amount spent, interest, late fees, fines and other expenses.

Available balance refers to the available credit line in the credit card account, that is, the credit line that the cardholder has not used. This limit is determined by the issuing bank according to the credit history, income status, credit score and other factors of the cardholder.