Credit card pending account refers to the amount of credit card holders granted by banks or financial institutions, which can be used for a period of time without immediate repayment. Simply put, it is the outstanding balance of the consumption amount on the credit card bill.

For cardholders, the amount of the pending account can greatly facilitate their payment methods, meet their shopping needs, and at the same time, spread the expenses to the next few months to ease the economic pressure. However, if the cardholder continues to spend and defaults on the unpaid balance, he will face high late fees and interest, so he must pay attention to controlling the expenses and repaying in time.

For banks, credit card debit is a kind of loan, which helps banks make profits and establish customer relationships. However, banks must carefully consider opening credit lines for cardholders, because this will involve customers' credit records and bank risk control. Only by ensuring that the cardholder's repayment and credit status are reliable can the bank risk be avoided.