The limit, balance and available limit of CCB credit card have clear meanings. The limit is the maximum overdraft limit of your credit card, and the available limit is the amount you can currently use to overdraft your purchases, which is equal to the credit limit minus the balance. If your balance is negative, it means you have an overpayment, which is additional money you deposited.

Changes in available credit may be affected by unaccounted consumption and installment payments. If your available credit is only 2,000 yuan, it may be because you have unaccounted consumption or are making installment payments. After consumption, the available limit will be adjusted according to the credit situation, while the credit limit will be occupied by installments. The credit limit will not be restored until all the installments are paid off.

At the ATM, you may see the cash withdrawal limit, which is 50 of the credit limit. For example, the cash withdrawal limit of a 6,000 yuan card is 3,000 yuan. However, the daily limit for overdraft withdrawals is 2,000 yuan. In addition, CCB credit cards also provide some special services, such as no annual fee policy (depending on the number of purchases), cash withdrawal fees, multi-account management, online payment (such as Alipay), installment business (with interest-free period restrictions) and billing Japanese currency selection.

In general, understanding these concepts will help you better manage your CCB credit card and ensure that your funds are used appropriately.