1. Non-repayment: the available credit card limit will be restored after the repayment is received, and the arrival time is different for different repayment methods. In order to quickly restore the line, it is recommended to use real-time payment methods, such as mobile banking or UnionPay China UnionPay Express APP. These methods not only arrive quickly, but also save the handling fee.

2. Negative limit exists: some cardholders may continue to use temporary limit after using up the fixed limit, resulting in negative credit card limit. Some people mistakenly think that this negative number is the amount that needs to be paid back, and only the negative number is paid back before the bill comes out. However, this will not restore the credit card limit. The best way is to wait until the bill comes out.

3. Repayment error: Some cardholders have handled multiple credit cards in the same bank. Although these cards belong to the same account, the repayment must be separated. If the money is returned to other cards, but not to the target credit card, the limit will not be restored. At this time, you need to transfer the money from the wrong card and repay it to the target card.

4. The page was not refreshed: some cardholders made repayment after checking the arrears in the credit card official website, but failed to refresh the page in time. In this case, the limit still shows the original value. At this point, you need to log out and log back in to view the quota, and you will find that the quota has actually been restored.

What is the credit card available?

Credit card available line refers to the unused credit line on the credit card. Every time you spend, the available amount is reduced, and every time you pay in installments, the available amount is restored. The calculation method of credit card available limit is: available limit = credit limit approved by the bank-unpaid bill debt-unrecorded but occurred transaction amount-other related interests and expenses. Unpaid recorded amount refers to the amount of credit card transactions that have been booked but not returned; Cumulative used unrecorded amount refers to the amount of credit card transactions that have occurred but have not been accounted for; Other related interests and expenses refer to the interest on cash withdrawal or installment payment.