1. Credit card balance refers to the total amount that has been recorded so far, excluding unrecorded installment payment, unrecorded handling fee and interest.
2. If your account balance is negative, it means that there is overpayment in your credit card account, that is, the money in your credit card. When there is a balance in your credit card, the overpaid part will be used for repayment first and then for consumption. In addition, there is no deposit interest for overpayment.
What does the credit card account balance mean?
Credit card balance refers to the total amount that has been recorded so far, excluding unrecorded installment payment, unrecorded handling fee and interest.
The "-"sign in the balance indicates that there is a balance in the current balance; There is no "-"sign in the balance, indicating that the current balance has been overdrawn.
Credit card available limit: available limit refers to the unused credit limit of your credit card, that is, the amount you can overdraw. The calculation method is: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.
For example, it shows that the balance is 972 yuan and the available line is 300 yuan, which means that the current debt is 972 yuan and the available line is 300 yuan, so you can overdraw 300 yuan.
The difference between the two is that the balance is the repayment amount of the current bill, that is, the amount to be repaid. Available line is the number of your credit line minus the consumption line, that is, available line.