Available limit: The available limit refers to the credit limit of your credit card that has not been used. To put it bluntly, it is the limit that can be used for overdraft consumption. The calculation method is: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available limit.

Credit card balance refers to all repayments that have been recorded so far, excluding unrecorded installments, unrecorded handling fees, interest, etc. If there is a "-" sign in the balance, it means that your current balance has a balance; if there is no "-" sign in the balance, it means that the current balance is overdrafted.

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. The sum of available balance and remaining balance does not equal the credit limit.

Extended information

Techniques for increasing the credit limit:

1. Continuous and frequent credit card consumption;

Persistence refers to after having a credit card , to insist on long-term credit card consumption, it is best to have a credit card consumption limit every month for more than three consecutive months. Do not use it for a period of time and then freeze it for a long time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you have a credit card. It is difficult to raise the amount due to suspicion of cash withdrawal.

2. Pay attention to the amount of card swiping and the temporary increase;

Pay attention to the amount of card swiping and make full use of the temporary increase.

3. Persist in applying and seize the opportunity to apply;

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension;

Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that it is easier to gain room for negotiation and maneuvering.

Baidu Encyclopedia-Credit Card Limit

Baidu Encyclopedia-Available Limit