the current balance of the credit card is negative, which means that there is debt in the card at present, which is the total amount of debt that has been accounted for so far; Available balance refers to the remaining available amount of the account up to now, and zero available balance means that there is no available amount at present, so it is temporarily impossible to overdraw.
the limit of your credit card is the maximum amount you can overdraw on this card. The available amount is the amount you can use to overdraw at present.
a credit card balance of means that there is no debt at present. Available balance yuan indicates that the available credit card limit is yuan.
Credit card balance is credit card debt. Whether the balance is positive or negative depends on the definition of the bank. ATM machines of different banks display differently, and whether it is positive or negative represents credit card debt. The available balance is the credit card limit. If it is positive, it represents the actual available remaining limit. If it is negative, it represents the overpayment. For example, the balance of the credit card is -1, which means that the credit card still has arrears from 1 yuan. The available balance is 25,, which means that the available credit card is 25,. If the available balance is -1, it means that the repayment in the credit card is 1 more, resulting in overpayment, and there is no need to repay in this period.
Tips:
If only the minimum repayment amount is returned before the due repayment date (inclusive) of the credit card, it is not overdue, but ICBC will charge overdraft interest of .5 ‰ for the outstanding part from the bank bookkeeping date to the repayment date every day. For the card that is subject to the full penalty interest rule, if it is not fully repaid, it will charge overdraft interest from the bookkeeping date to the repayment date for the interest-free overdraft transaction, including the "repaid part". It is suggested that if you have any.
minimum repayment amount: refers to the minimum amount of repayment before the credit card repayment date. Repayment by this amount will not result in liquidated damages and will not affect personal credit status, but the outstanding part of the repayment amount will generate overdraft interest.
optimal repayment amount: refers to paying off the credit card repayment amount in full on the due repayment date. The payable amount refers to: payable bill amount+overdraft withdrawal and transfer amount between billing date and repayment date-deposit amount between billing date and repayment date.
For example, the bill you received this month should be repaid in the amount of 5, yuan. Before the repayment date, you overdrawn 2, yuan and deposited it in 1 yuan on the same day. The optimal repayment amount = 5, yuan+2, yuan -1 yuan = 6, yuan.