Credit card available line refers to a credit line set by the bank for the cardholder, which represents the maximum amount that the cardholder can borrow from the bank without overdrawing the credit line. In other words, this is the reserved funds that cardholders can use, which can be used to buy goods, pay bills, withdraw cash and so on.

The available credit card amount is determined according to the credit rating of the cardholder, the bank credit policy and the repayment record of the cardholder. Generally speaking, the higher the credit rating of the cardholder, the higher the available amount given by the bank. At the same time, the cardholder's repayment will also have an impact on the available amount. If the cardholder is often overdue or in arrears, his available quota will be reduced accordingly.

Cardholders should reasonably use the credit card available amount to avoid the occurrence of overdraft. At the same time, we should also pay attention to repayment and pay off the arrears on time in order to maintain a good credit record and obtain more credit lines.