The two key concepts of a credit card - available limit and balance - are crucial to the cardholder's consumption and financial management. The available limit, simply put, is the portion of your credit card that can be overdrawn for consumption. It is equal to the credit limit minus the amount that has been debited but not repaid, and the accumulated consumption that has not been recorded. The balance is the total amount of repayment that has been accounted for so far, including the amount that has been consumed but not settled, but does not include unaccounted installments, fees or interest.

The difference between balance and available limit is that the balance is the repayment requirement for the current bill, while the available limit is the actual consumption limit that can be used. The sum of the two does not equal the total amount of the credit limit. Understanding these is crucial to the proper use and management of credit cards.

If you want to increase your credit card limit, there are several strategies for reference: First, maintain continuous and frequent credit card consumption, have a certain consumption record every month, and avoid not using it for a long time. Secondly, reasonably control the amount of credit cards swiped and use temporary credit limit increases as much as possible. In addition, take the initiative to apply for a limit increase and communicate with the bank over the phone, because the staff may have different attitudes toward applications. Finally, if your application is rejected multiple times, you can threaten or suspend use appropriately, but your attitude should be sincere and express your need for an increase in the quota.

The above strategies will help you better understand and manage your credit card, so as to make better use of your limit. However, when it comes to specific operations, it is key to adjust according to your personal credit situation and bank policies.