The account balance refers to the current balance on your credit card, and the available balance refers to the amount that can be overdrafted from the existing balance on your card.

The amount that can be overdrafted is determined by the credit card center It is set according to each person's income and credit, usually less than 5,000 yuan, and the gold card is generally 10,000 yuan. Some banks have an overdraft interest-free period of about one month, while others do not.:

It is very simple to distinguish the credit card account balance and the available balance. You can remember it like this: the account balance is the amount that has been overdrafted, and the available balance is the amount that has not been overdrafted and can still be used. The available balance is also the available amount.

The calculation method of available limit is: credit limit - unpaid amount that has been paid out - accumulated amount that has been used but not recorded = available limit.

For example, the credit card statement shows that the balance is 972 yuan and the available limit is 300 yuan, which means that you currently owe 972 yuan, the available limit is 300 yuan, and you can overdraft 300 yuan.

The balance of the credit card shown in the bill is a negative number, which means that the current credit card has excess deposits and no debts. You can also understand that there is an overpayment on the credit card. At this time, you don’t have to worry about the debt, because Debt deductions will be made from overpayments first. If there is no negative sign in the balance, it means that the current credit limit is overdrawn and there is an amount in arrears.