The maximum amount that can be used for consumption or borrowing; Use quotas in real time. According to inquiries from people familiar with the matter, the credit limit in the credit report refers to the maximum amount that banks or other financial institutions can use for consumption or borrowing, indicating the borrower's credit status and borrowing ability. The balance in the credit report refers to the real-time use quota of products such as loans, including credit loans. If the credit line is 300,000 yuan, 654.38+million yuan has been used, and the credit report shows the balance of 654.38+million yuan.