1. The account balance means the amount of money that has been overdrafted or left in balance on the card.

When the credit card account balance is a positive number, it indicates the deposit balance of the card; when the balance is a negative number, it indicates the card's arrears (overdraft balance).

2. The available limit of a credit card refers to the maximum amount that can be used by the credit card you hold.

It includes the credit limit (that is, the maximum overdraft limit that a credit card can use) and the amount of money deposited on the credit card. The limit of any credit card depends on the valid income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.

Extended information

Credit card domestic cash withdrawal limit/limit:

Credit card overdraft withdrawal generally does not exceed 50% of the credit limit (cash withdrawal, cash transfer, cash installment ***), and shall not exceed the current available limit of the card. Overdraft cash withdrawals do not enjoy interest-free repayment treatment.

According to the regulations of the People's Bank of China, when withdrawing cash through the UnionPay network in China, the cumulative daily cash withdrawal amount per card through counter channels and self-service machine (such as ATM) channels shall not exceed 30,000 yuan, of which the daily cash withdrawal amount per card through counter channels shall not exceed 30,000 yuan. The overdraft cash withdrawal limit is 20,000 yuan, and the daily overdraft cash withdrawal limit for each card through self-service machine (such as ATM) channels is 10,000 yuan.

The actual amount that can be withdrawn will also be affected by the card limit and usage. If you need to withdraw excess payment that exceeds the limit control, please go to the bank branch counter to handle it.

Baidu Encyclopedia-Credit Card Limit

China Construction Bank-What is the credit card domestic cash withdrawal limit/limit