Definition of credit card: A bank card that adopts the internationally accepted cyclic overdraft consumption mode, and the card issuer gives the cardholder a credit line dao according to the credit status of the cardholder, and the cardholder consumes first and then repays within the credit line.

So it can be understood as overdraft cardholder's repayment ability. Then, as long as the currency can be exchanged with RMB, it can be overdrawn in theory.

Extended data:

Credit card available limit refers to the unused credit limit of your credit card. The available amount will decrease with each consumption of the cardholder and recover with each repayment of the cardholder.

Available quota

The calculation method of credit card available limit is: available limit = credit limit approved by the bank-outstanding debt on the bill-transaction amount that has not been recorded but has occurred-other related interests and expenses.

Unpaid recorded amount refers to the amount of credit card transactions that have been booked but not returned; Cumulative used unrecorded amount refers to the amount of credit card transactions that have occurred but have not been accounted for; Other related interests and expenses refer to interest such as cash withdrawal or installment payment.

For example, if the credit line is 20,000 yuan, the outstanding amount is 654.38+0,000 yuan, and the used unrecorded amount is 4,000 yuan, the available line is 6,000 yuan.

References:

Baidu encyclopedia-credit card available amount