1, definition: definition: Credit balance usually refers to the credit line granted to you by the bank, and part of it is used, and the rest is the credit balance. The loan balance is the actual loan amount left after you borrow from the bank, that is, how much money you still owe the bank.

2. Scope: Scope: credit line = credit balance+loan balance. In layman's terms, it is the rest of the borrowed money.