In other words, the current debt is 3854 yuan, and this month's bill is fully repaid to 3453 yuan. Other amounts are still in the interest-free period. You can pay it back next month.
I am a credit card of Industrial Bank. What is the balance?
In the absence of arrears and overdraft, the balance displayed by Industrial Credit Card is positive; When there is excess deposit in the card, the balance displayed is negative.
What does the credit card balance mean?
Credit card book balance refers to the amount that has been generated. A positive book amount means that the credit card is in arrears and needs to be repaid; When the book amount is negative, it means that there is overpayment and no repayment is needed.
For example, credit card spending 1 000 yuan, then this 1 000 yuan is the balance, which is displayed as 1 000 yuan and needs to be repaid within the prescribed time limit. If you deposit 1 ,000 yuan, the balance will be-1 ,000 yuan, that is, the cardholder does not need to repay, and the available line will be increased by 1 ,000 yuan on the basis of the original line.
Credit card science: terms related to credit card limit
1. Account balance: the credit card has been overdrawn. A negative balance means there is no debt, and a positive balance means there is debt.
2. Available balance: the credit card can still be used. A negative balance means there is no debt, and a positive balance means there is debt.
3. Credit limit: the maximum amount that a credit card can overdraw. This amount depends on the application materials submitted by the applicant at the beginning. If the applicant has a good credit status and sufficient financial proof, then the amount is naturally high.
4. Revolving credit line: If the cardholder overdraws a certain amount by credit card and doesn't want to pay it off completely within the interest-free period for the time being, he can repay the minimum repayment amount within the time limit stipulated by the bank, so that the cardholder can continue to use the remaining credit line, which is called revolving credit line.
Credit card balance refers to the total amount that has been recorded so far, excluding unrecorded installment payment, 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: available limit refers to the unused credit limit of your credit card. To put it bluntly, it is the upper limit of overdraft consumption at present. The calculation method is: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.
For example, if the balance is 972 yuan and the available line is 300 yuan, it means that you currently owe 972 yuan, the available line is 300 yuan, and you can also overdraw 300 yuan.
The difference between the two is that the balance is the amount of current bill repayment, that is, the amount that needs to be repaid. The available amount is the number of your credit limit MINUS the consumption limit, which is the available amount.
How to calculate the repayment date of credit card?
1. Credit cards generally spent on or before the billing date are included in the current bill and should be repaid before the repayment date after the current bill date, with the shortest interest-free period.
2. Consumption made on the day after the bill date is included in the next bill and should be repaid before the repayment date after the next bill date, with the longest interest-free period;
The interest-free repayment period of credit card is 50 days, which is the same for every bank in China.
4. According to the accounting date and consumption date, the calculation method and time are not fixed.
Establish a good record:
(1) When using a credit card, you need to know the repayment date and billing date of the credit card. Customers are advised to pay back on time on the repayment date after overdraft by credit card.
(2) Repay the overdraft in time to avoid the formation of bad credit records. In the long run, good credit card transactions and repayment behaviors are conducive to establishing a good personal credit record.
(3) For ordinary customers, holding 2-3 credit cards can basically meet the demand. For credit cards that have not been used for a long time, the account should be cancelled in time to reduce the risk of losing the card and avoid the formation of bad records due to the failure to pay the annual fee in time.
(4) Don't lend your credit card to others. Credit is priceless. Don't base your personal credit on trust in others.
What does the book balance of Industrial Bank's credit card mean?
Industrial Bank credit card, the balance refers to your debt, and the available amount is the amount you can spend with the credit card.
How to check the balance of Industrial Bank Card?
The method for inquiring the balance of Industrial Bank Card is as follows:
1. First open the webpage of Industrial Bank, click Personal Online Banking in the upper left corner, select the first login function, and press enter.
2. Enter your bank, ID number, account password and other information at the prompt and confirm.
3. After entering, enter the password of your card for online login.
4. Click Login after entering, and then you will be prompted to modify the login mode or directly enter the login page to select the latter.
5. Finally, re-enter your password on the login page. After entering, you can see the balance, and the problem will be solved.
The meaning of the book balance in local currency and the amount of available cash borrowed in advance in online banking of Industrial Credit Card.
The main function of credit card is overdraft consumption, which is the concept of bank card quota. If you have a limit of 5000 yuan, you can spend 5000 yuan without paying cash. However, sometimes you may need a small amount of cash to pay for the inconvenience of getting the card. Therefore, credit cards can generally allow you to withdraw some cash, which is generally almost one tenth of the average monthly consumption in the previous year. In this case, your card can be cashed out of 200 yuan. Credit card withdrawal is not a necessary function, but a stopgap measure. Therefore, its handling fee is expensive and its daily interest rate is higher than that of bank loans.
As for your current book balance, you can spend more 1300 yuan this month.
Let's stop here for the introduction of the book balance of Industrial Credit Card.