It means that your available line has been used up. If the bank doesn't withdraw the amount, you can't use this card until you repay it, which means it's maxed out. If it is maxed out, it must be repaid within the specified time. If it is overdue, it will cause the following consequences.

consequences of overdue

1. liquidated damages, generally the minimum repayment amount, are 5% of the unpaid part.

2, high interest, and it is a rolling interest, and interest is very scary when there are many debts.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

Extended information:

Available line = credit line approved by the bank-debt on bills that have not been returned-transaction amount that has not been recorded but has occurred-other related interests and expenses.

Note: The unpaid recorded amount refers to the amount of credit card transactions that have been billed but you have not returned; The accumulated amount used but not accounted for refers to the amount of credit card transactions that have occurred but have not yet been billed; Other related interests and expenses refer to interest such as cash withdrawal or installment payment.

a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

China's relevant laws ("the NPC Standing Committee on <; Criminal Law of the People's Republic of China > The credit card stipulated in the Interpretation of Credit Card Regulations refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Reference:

Baidu Encyclopedia _ Credit Card