(1) credit card balance refers to the total amount payable as of the date of entry, excluding unrecorded installments and unrecorded procedures. Credit card repayment is an effective way to relieve repayment pressure. In the process of finding an intermediary to handle the repayment, the repayment date can be postponed. This means that when the last repayment date of the cardholder's credit card expires, I can't repay it in full at present, and the minimum repayment must pay high interest. In order to maintain a good credit record, I can entrust others to repay, and then pay by credit card in the form of credit card consumption to return the funds.
2 Available credit line: Available credit line refers to the unused credit line in your credit card. To put it bluntly, it is a credit line that can be overdrawn. The calculation method is: credit line-unrecorded amount-accumulated used unrecorded amount = available amount. For example, if the balance is 972 yuan and the available line is 300 yuan, it means that you currently owe 972 yuan, the available line is 300 yuan, and you can also overdraw 300 yuan.
The difference between the two is that the balance is the amount of current bill repayment, that is, the amount that needs to be repaid. The available amount is the number of your credit limit MINUS the consumption limit, which is the available amount. There is a delay in bank transfer, so the data you see may not be the actual data. In fact, the easiest way is to check the customer service phone number on the back of the credit card, choose manual answer, and directly ask how much money is still missing. Don't be cheated by the bank because you are missing a few dollars.