There is a balance in the account, and the available balance is 0, which often means that there is a deposit in the bank card account, but it cannot be used or withdrawn. There are many reasons for this, such as:

1. The bank card account was frozen by the judicial authorities on suspicion of violating laws and regulations.

2. Banks do not make real-time deposits, which may also lead to the inconsistency between the balance on the bank card and the available balance.

3. When users buy investment and wealth management products, the money will only be transferred at the end of the period, and the assets will only be frozen during the collection period.