If the credit card limit is 1 ten thousand, you can swipe 9800, because the amount of 9800 is within the limit of 1 ten thousand.

The account balance in the credit card is the amount that has been consumed but not repaid, and the available balance is the available amount that has not been overdrawn, so the available balance plus the account balance is not equal to the overdraft limit.

The credit card limit is obtained by the bank according to the comprehensive evaluation of the user's credit status and asset status, and there will be some differences between different users and different banks.

The higher the credit card limit, the wider the scope of use. However, it should be noted that credit card consumption should be done according to one's ability, and excessive consumption should not lead to excessive repayment pressure.

Credit card is a kind of bank card used for consumer payment, which has the functions of overdraft, installment payment, integral and so on.