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What does available credit mean, as opposed to current balance on a credit card statement?
On my statement it says
Balance - $200.00 (as an example) then
Available Credit. $290.00
I want to but something for $400 on my credit card, is that possible? Or can I only spend $290?
Sorry if this seems really silly, I just havent had a credit card before!
You have a credit limit of $490
You have used $200 (you need to pay this back).
You can borrow $290 until you reach your credit limit.
No, you can not borrow $400 at this time. Pay back the $200 or have them raise your credit limit and you may,
Bear
you can only spend what you have available.
balance: how much you owe.
actual credit: how much credit you ACTUALLY have BEFORE all your most recent transactions have gone through.
available credit: how much credit you WILL have left AFTER all your most recent transactions have gone through.
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