The amount cannot be accumulated. For example, your quota is, you brush 6000 and pay it back in six installments. After the down payment 1000 plus the handling fee, it is equivalent to 5000, and your usage limit is only 5000, so you can't do it until you have paid in full.

1, there is no "available balance" in the credit card bill, only "available limit" and "balance".

2. The concept of "balance" here is different from that of debit card balance. The "balance" here refers to the amount that the customer has not repaid after consumption, not the remaining amount of the customer, but the money that the customer owes the bank.

3. If the available amount is zero, this should be checked according to the personal repayment record. Because the account is frozen by the bank due to overdue repayment, the credit card may show zero available amount. It is recommended to call the customer service hotline of the credit card center for enquiry.

4. It may also be because of your own repayment method. Although you have repaid the money, you haven't received it from the bank. The bank's line was not immediately returned to the customer for use, and there may be other abnormal situations such as bank management policies prohibiting customer cards.

5. If the credit card is repaid by transfer from another bank, please check the specific arrival time with the other bank.

Credit card account balance refers to the credit card available amount, which is commonly referred to as the credit card available amount. It refers to the maximum amount that a credit card can use, including the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card.

Available balance refers to the amount that has been consumed and has not been repaid (including interest and late fees). If it is negative, it means that there are more repayments and the extra part.

First, the reasons for the zero credit card limit

1. Banks need to guard against and control risks.

The minimum amount of new credit cards issued by most banks is between 2,000 yuan and 3,000 yuan. However, in recent years, the bad debt rate of credit cards has increased, which has aroused people's vigilance. Strengthen the approval of credit card quota, and adopt a low-quota card issuance system for some marginal customers to reduce the occurrence of overdue repayment or even non-repayment. Banks need risk prevention and control, and will reduce the card amount as much as possible, or even directly reduce the card amount to zero.

2. Seize the market, complete the task of issuing cards and control the credit line.

In recent years, the competition between banks is very fierce. In order to retain potential users and seize the market quickly, some banks will issue zero credit cards to applicants with less funds. The emergence of low-credit cards is because banks want to complete the task of issuing cards under the pressure of credit crunch, so this method is put forward: issuing low-credit cards not only completes the task of issuing cards, but also controls the credit line. Only by saving money for consumption can cardholders gradually increase the quota. On the one hand, it can increase the number of users, and on the other hand, due to the rapid increase of card issuance, it will not increase the bad debt rate of banks. From the bank's point of view, it can be said that it is killing two birds with one stone.

Second, the credit card line recovery method

1. If the stolen credit line is reduced to zero, the cardholder shall explain the situation to the bank and apply to the bank for restoring the credit line after ensuring that there are no problems.

2. If the applicant's personal credit is not good, it is not easy to apply for a credit card with a limit, then the applicant needs to save money in the credit card, and at the same time, he will use the card more to spend money.

3. If the card is used illegally and the deduction amount is zero, the cardholder should immediately stop this behavior and need to negotiate with the bank to restore the limit.

4. If the credit card is overdue due to violation of regulations, the cardholder needs to repay it in time before continuing to use the card and keep repaying it on time for a period of time.