The current balance of a bank credit card refers to the current available credit limit of the credit card holder. That is, the credit limit of your credit card that has not been used. To put it more plainly, it is the limit that can be used for overdraft consumption.

The calculation method is: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available limit.

Credit card balance refers to all repayments that have been recorded so far, excluding unrecorded installments, unrecorded handling fees, interest, etc. If there is a "-" sign in the balance, it means that your current balance has a balance; if there is no "-" sign in the balance, it means that your current balance is overdrawn.

What is the difference between the available balance and the balance of a credit card?

The difference between the two is that the balance is the amount of the current bill repayment, and the available amount is the amount that can be used. If cardholders still can’t understand, just remember this:

The sum of available balance and balance does not equal the credit limit.

Usually, if a cardholder fails to repay in full, the balance of the bill will be displayed as ** yuan. If the cardholder has overpaid, the excess amount will be displayed as -** yuan. "The negative sign means there is a balance on the credit card account, and the absence of a negative sign means there is still an outstanding balance on the credit card."

When the current balance is "0", it means that your credit card limit is not overdrafted and the available balance is When it is "9000", it means that this card still has this limit for overdraft or consumption.

Case: Suppose your limit is "9000" and you spend 1000 overdraft, then your current balance is "-8000" and the available balance is "8000".