The credit limit of a credit card is the overall limit currently given to you by the bank (including fixed limit and temporary limit); the available limit refers to the credit limit of your credit card that has not been used. The actual amount that can be swiped. The calculation method is as follows: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available limit. Log in to the public/professional version of online banking and click "Account Management" - "Account Inquiry" to view the credit limit and available limit.