The current balance refers to the current deposit balance in the bank account. Current balances are usually related to time deposits. The current balance can be withdrawn flexibly, and you can also enjoy deposit interest, but the deposit interest rate is lower than that of time deposit. In addition, the interest on the current balance is settled quarterly, and the 20th of each quarter is the settlement date.
There are two main types of money in bank cards:
If you have money in your card but the balance is insufficient, it is probably because you have regular money in your card and the regular money can't be used, which may lead to insufficient balance when you use your card.