The available credit line of ICBC refers to the credit card overdraft limit. ICBC Credit Card is a credit card product handled by ICBC for users, which can realize cash withdrawal, cash deposit and withdrawal, credit card overdraft, shopping installment payment and other functions.

When the available balance is zero, the credit line has all been used up, and no overdraft is allowed. When the available balance is negative, it indicates that the credit card has a debt that has been recorded but has not been paid off. When the balance is positive, it means that there is a deposit balance on the card besides the repayment bill, which is also called overpayment.