The credit limit and available limit of a credit card have two different meanings:

Credit limit: When a credit card is issued, the bank grants you the total limit of the credit card, which can be used repeatedly within the validity period.

Available limit: After excluding the overdraft limit that you have already used for credit card consumption, the overdraft limit that can be used again within the current cycle period; the available limit will be restored if you repay the outstanding balance.

Warm reminder: If the available limit is greater than the credit limit, it means that there is excess money after paying off the debt, which can be automatically deducted from subsequent consumption.

(Response time: August 6, 2020, please refer to the official website of China Merchants Bank for the latest business changes)