1. As the landlord said, the installment payment of ICBC will freeze the credit line of your credit card, that is, spending 12000, freezing 12000, and releasing the corresponding credit line according to the repayment amount of each installment.

2. When inquiring about the credit card limit, it is divided into the available limit and the total amount of your credit card itself.

Available credit line = total credit card amount-consumed credit line-frozen credit line

3. It is suggested that the landlord make full use of your quota of 12000 before saving 10000 to buy furniture in Cary.

Supplement:

This practice of ICBC is to prevent cardholders from excessive consumption and achieve the effect of controllable credit card risks.

Add again:

I mean, first use your 12000 credit line to buy TV in installments, and then put 10000 in your card to buy furniture, which is to make full use of your credit line.