The credit card balance does not tell the cardholder how many credit lines can be used, but how many credit lines can be used depends on how many credit lines there are.

1. Credit card balance: refers to the total amount that has been recorded up to now, excluding unrecorded installment payment, unrecorded handling fee and interest. A "-"sign in the balance indicates that the current balance has a balance; There is no "-"sign in the balance, indicating that the current balance is overdrawn.

2. Credit card available limit: available limit refers to the credit limit of the unused credit card. To put it bluntly, it is the amount that can be overdrawn at present. The calculation method is: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.

Credit card available balance, balance difference:

The difference between the two is that the balance is the amount of current bill repayment, and the available amount is the amount that can be used.

For example, if the balance is 972 yuan and the available line is 300 yuan, it means that the current debt is 972 yuan and the available line is 300 yuan, so you can overdraw 300 yuan.