Credit is a kind of credit loan among bank loans. Bank loans are mainly divided into two categories. One is line loan, that is, when a customer applies for a line loan from a bank, the bank will give the customer a credit line within a certain period according to the customer's credit information, operating conditions, collateral value, etc., and the customer has the right to withdraw the loan within a certain period within the validity period of the line; The other is a single loan, that is, a loan that begins to bear interest from application to issuance and expires after settlement. As long as the customer does not withdraw the loan, the offline loan has no interest and can be recycled for a certain period of time.

For banks, credit balance refers to the remaining credit exposure of banks except the issued part of credit line. If it is a revolving credit line, there is still a part to be recovered. Take credit cards as an example. If the customer's line is 30,000 yuan and 20,000 yuan has been used, then the credit balance is 654.38+00,000 yuan. If returned, the credit balance will become 20000.