The balance shown on the ATM is the limit of your credit card. Available balance is how much money is left in the limit that you can overdraw for cash withdrawal. It can only be used for credit card consumption and cannot be overdrawn for cash withdrawal.

1 Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which you can spend first and then repay.

A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.