The total credit card limit refers to the limit authorized by the card issuer to the cardholder's credit card. This part of the limit will be adjusted regularly by the bank based on consumption, which means there is a possibility of increase or decrease. The available credit limit is the credit limit that can be used immediately by the credit card. For example, if the total credit limit of the credit card is 10,000 yuan, 2,000 yuan has been credited, 800 yuan has not been credited, and the overpayment is 0 yuan, then the current available credit limit is 7,200 yuan.

Under normal circumstances, the total quota is greater than or equal to the available quota, and the calculation formula of the available quota is: available quota = total quota - accounted amount - unaccounted used amount + overpayment amount. You can pass This formula is used to calculate the current available limit of a credit card.