Remaining payables in current period = bill amount in current period-paid amount

Credit card balance refers to the amount you have spent but have not paid back (including interest and late fees). If it is negative, it means that you have paid more, the extra part.

Credit card available limit refers to the unused credit limit of your credit card. For example, your credit line is 20,000 yuan, the unpaid amount is 65,438+0,000 yuan, and the used and unrecorded amount is 4,000 yuan. Then your available quota at this time is 6000 yuan. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.

The calculation method of available quota is as follows:

Available line = approved credit line+overpayment (credit balance) in the previous period-unlisted bill transaction amount in this period-unlisted bill transaction amount in this period-other related interests and expenses.