1. Account balance

ICBC credit card account balance refers to the current available credit limit of the credit card holder. That is, the credit limit of your credit card that has not been used. To put it more plainly, it is the limit that can be used for overdraft consumption.

2. Available balance

The available balance refers to the credit limit of your credit card that has not been used. To put it bluntly, it is the current limit that can be overdrafted for consumption.

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3. The difference between the two

< p>The difference between the two is that the balance is the amount of current bill repayment, and the available amount is the amount that can be used. If card friends still can’t understand, just remember this.

Usually, if a cardholder fails to repay in full, the balance of the bill will be displayed as ** yuan. If the cardholder has overpaid, the excess amount will be displayed as -** yuan. "The negative sign means there is a balance on the credit card account, and the absence of a negative sign means there is still an outstanding balance on the credit card."

When the current balance is "0", it means that your credit card limit is not overdrafted and the available balance is When it is "9000", it means that this card still has this limit for overdraft or consumption.

Available balance: It is the current limit that can be used, including deposits and credit limits and excluding the used limit.

If the available balance is less than the account balance, you can find the reasons from the following aspects:

1. Whether there are funds (payments) in transit that have not been recorded;

2. Did the court freeze the company’s accounts? The technical term is “property preservation”, which was applied by the plaintiff and approved and implemented by the court. Property preservation can be carried out during the litigation period or the execution period.