The fixed amount of a credit card refers to the maximum amount that a credit card can use cumulatively. The credit card limit is a person's credit certificate in the bank, and the fixed limit is the highest limit that the bank grants users to recover. You can't overspend when you run out. If the subsequent quota is not enough, you can try to apply for withdrawal. The credit limit obtained when applying for a credit card for the first time is mainly based on the comprehensive score of the information filled in when applying for a credit card and the relevant supporting documents provided.

The higher the credit card limit, the better the person's credit information. The higher the credit card limit, it is equivalent to having an interest-free short-term bank loan, which can be used at zero cost, even in bonus hunter, such as points exchange for Starbucks and other activities.

The fixed amount will be adjusted regularly by the bank, and the user can provide relevant financial proof to request the adjustment of the fixed amount. The available credit card amount will decrease with each consumption of the cardholder and recover with each repayment of the cardholder.

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.