Recently, when some ICBC cardholders checked their credit card information, they saw the balance and available balance, but they never understood what they meant. The actual credit card current balance and available balance are two completely different concepts. Well, what do the current balance and available balance of ICBC credit cards mean? Next, follow Xiaocai to find out.

What do the current balance and available balance of ICBC credit card mean?

1. Current balance

The current balance of ICBC credit card refers to the current balance of the credit card holder The credit card's available limit. That is, the credit limit of your credit card that has not been used yet. To put it more plainly, it is the limit that can be used for overdraft.

The calculation method is: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available limit.

2. Available balance

The available balance refers to the credit limit of your credit card that has not been used. To put it bluntly, it is the amount that can be spent on overdraft now. The calculation method is: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available balance.

For example: your ICBC credit card credit limit is 20,000 yuan, the unpaid accounted amount is 10,000 yuan, and the used but unaccounted amount is 4,000 yuan, then the available balance is 6,000 yuan.