When the current balance is "0", it means that your credit card limit is not overdrawn. When the available balance is "9500", it means that this card still has this limit for overdraft or consumption.

Consequence of overdue: 1, resulting in liquidated damages, generally the minimum repayment amount, 5% of the unpaid part. 2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary. 3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years. 4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.