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What does the credit card credit limit of 5,000 and the available limit of 4,981 mean? Is the available limit how much cash can be withdrawn? If not, the available amount is

Hello, if it is a China Merchants Bank credit card, if the card uses part of the amount, the remaining amount will be the available amount.

The cash advance limit is set according to your card usage. It is included in the credit limit of your credit card. The cumulative amount of cash withdrawals generally does not exceed 50 of your credit limit (youth card can pre-borrow 100). Please call the credit card’s 24-hour customer service hotline for the specific limit. In addition, according to the relevant regulations of the People's Bank of China, the cumulative daily cash advance amount of each domestic card shall not exceed RMB 2,000; the cumulative daily cash advance amount of each overseas household shall not exceed the equivalent of US$1,000 for one month. The accumulated value within 6 months shall not exceed the equivalent of US$5,000, and the accumulated value within 6 months shall not exceed the equivalent of US$10,000. Cash advances will incur corresponding fees and interest. Handling fee: The handling fee for domestic RMB cash advances is calculated at 1% of the amount of each cash advance. The minimum charge is RMB 10 per transaction. The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advances is calculated at 3% of the amount of each cash advance. Fees, the minimum charge is ¥30 yuan or US$3 per transaction; Interest: Cash advance transactions do not enjoy interest-free repayment treatment, and interest will be charged at a daily interest rate of 0.5% from the transaction date to the repayment date, calculated on a monthly basis Compound interest.