At present, the state stipulates that a person can cancel the annual fee and small account management fee when he runs a card in the same bank, but he needs to apply for it himself. The first card after this rule will be free automatically.
Available balance is the balance that can be used, and the account balance is the actual balance on the account.
There are four reasons why the account balance is inconsistent with the available balance:
1. If the account balance on the debit card is different from the available balance, there is unfinished business. For example, if the fund is not purchased during the fund business processing time, the purchase of the fund will be temporarily frozen and the business will be completed within the next fund business processing time. 2. When purchasing wealth management products, the funds will be withdrawn only at the end of the period, and the funds will be frozen only during the collection period. All the above businesses can be cancelled. It is the same if the available balance and the account balance are cancelled.
3. There are also cases of judicial freezing and partial balance freezing. Available balance is the actual balance of the account minus the frozen balance. Credit card If you deposit money in it yourself, the available balance is the credit limit plus the deposit, and the account balance is your own deposit balance.
4. If the bank doesn't enter the account in time, it may show that the balance on the bank card is inconsistent with the available balance.
I. Difference between bank card available balance and account balance The available balance is the balance that can be used, and the account balance is the actual balance on the account.
Second, the difference between the credit card balance and the available balance. The balance of credit card refers to the total amount that has been recorded so far, excluding the unrecorded installment payment and the unrecorded handling fee and interest. There is a "-"sign in the balance, which means that your current balance has a balance; There is no "-"sign in the balance, which means that your current balance has been overdrawn. Credit card available limit refers to the unused credit limit of your credit card. To put it bluntly, it is the limit of overdraft at present.
The calculation method is: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.