Credit card balance is credit card debt. Whether the balance is positive or negative depends on the definition of a bank. Different banks' ATMs display differently, and both sides represent credit card arrears. The available balance is the credit card limit. If it is a positive number, it indicates the remaining limit that is actually available. If it is negative, it means overpayment. For example, the ATM machine shows that the credit card balance is-1000, which means that the credit card still has 1000 yuan outstanding. The available balance is 25,000, which means that the available credit card is 25,000. If the available balance is-65,438+000, it means that the repayment in the credit card is 65,438+000, resulting in overpayment, and there is no need to repay in this period.