Why is the available limit on my credit card higher than the credit limit?

If it is a credit card from our bank, the balance on the account after the cardholder has paid off the due amount is the overpayment. When there is an overpayment (overpayment or refund after offsetting fees) on your credit card account, the overpayment will be used to offset your future card usage. If you need to get back the overpayment, you can get it for free through the mobile life channel.

Warm reminder that our bank will not pay deposit interest for the overpayment amount on your credit card account. My credit card credit limit is 5,000, why is the available limit 1,000?

The credit limit refers to the fixed limit approved to you, such as 5,000, which is a fixed amount; the available limit is a variable, which changes in real time according to your card swiping and cash withdrawals. If you have already swiped the card for 4,000, or made an installment payment with a total price of 4,000, the available limit will be reduced by 4,000 and then changed to 1,000. Why is the credit limit of my credit card 3,000 and the available limit is only 2,983?

The credit limit of the credit card is 3000, which means that the maximum available limit of the credit card is 3000; the available limit is only 2983, which means that 17 of the credit limit has been used.

Credit limit: The credit limit of this card, indicating the total amount you can use the card to spend or withdraw cash;

Available limit: The credit limit that can be used by this card, generally It is said to be the credit limit - the amount used - the current month's interest;

Cash withdrawal limit: the cash withdrawal limit of this card. If the cash withdrawal limit is available, it will be calculated based on the available limit;

Same-day cash withdrawal limit: This limit is implicit. Generally speaking, banks have existing regulations on how to withdraw money on the same day, and the maximum limit cannot be exceeded;

Available limit for the same day: Some banks’ credit cards have This concept refers to the maximum amount that can be used every day. My credit card's available credit limit is 450 yuan, why is the available cash withdrawal limit 2,000 yuan?

Your credit card's available credit limit is 450 yuan. Did you calculate it yourself? Is it accurate?

If it is accurate, the explanation is as follows;

1. The cash withdrawal limit displayed on the ATM refers to the amount of cash you can currently withdraw that day. The bank stipulates that the maximum withdrawal limit for credit cards per day is 2,000, because you still have There is a withdrawal limit, but it cannot be displayed. It can only be limited to 2,000. If you withdraw it, you can see the remaining withdrawal limit.

2. The available limit of 450 means that you can spend 450, but the consumption limit can occupy the cash withdrawal limit.

3. There are three credit card limits. One is the credit limit. The total of all your credits. The second is the consumption limit and the third is the cash withdrawal limit. For example, if your credit limit is 4,000, then the consumption limit is 2,000 and the cash withdrawal limit is 2,000. If you withdraw 1,000 cash, it will be displayed like this: the available limit is 2,000 and the cash withdrawal limit is 1,000. If you spend 1,000, the available limit will be 1,000 and the cash withdrawal limit will be 2,000. Got it?

Hope this helps. Why is the credit limit of my CCB credit card 6000 and the available limit is 3124

The limit is 6000 yuan and the available amount is 3124, which means you have used 2876 yuan.

If you have multiple CCB credit cards in your name, the credit limit of each card is exclusive. If one or several of the cards have used 2876 yuan, this card and other cards in your name can be used. The amount will become 3124.

Credit card, credit limit 5000, available limit 5103, withdrawal limit 2603, balance -103.8, has my credit card been paid off?

It must have been paid off! You have paid back 103.8 yuan more, because your credit limit is only 5000, and now you can use 5103. The withdrawal limit was originally half of the credit limit, and now you have 103 yuan more than half, so you have paid back 103.8 yuan more. You can also call your credit card bank service number to check, and they will tell you more clearly! The credit limit of the credit card I just applied for is 15,000, but the available limit is 6,000. What's going on?

This is a credit card that has already had card transactions. After you pay it off in full, the available limit is 15,000 yuan. Why is the credit limit of CCB credit card 10,000 and the available limit is 9,500?

You must have used it yourself.

No matter how many CCB credit cards you have in your name, the limit of each card is unlimited. For example, if you have two cards with a limit of 10,000 yuan, and you use 500 yuan on one of the cards, the credit limit of each card will be 10,000 yuan. The available limit of these two cards will become 9,500 yuan. My credit card credit limit is 6,000 yuan, the available limit is now 2,992 yuan, and the withdrawal limit is also 2,992 yuan. Why is there still a balance?

If it is a China Merchants Bank credit card, the available limit means that the credit card you hold has not been used. Credit limit. The calculation method is as follows: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available limit.

If you have any questions, please call credit card customer service for further verification. You can consult online through QQ or WeChat for any information you want to know about China Merchants Bank's credit card services. Method 1: Search for 4008205555 among QQ business friends and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center. Why is the available limit of my Shanghai Pudong Development Credit Card larger than the credit limit?

There is a lot more money, but the money I just paid back has not yet been accounted for, so the real-time available limit can be seen, but the balance is delayed. failed to display