What is the difference between my “current balance” and “available credit”?
Your current balance is the total of all the posted transactions as of the previous business day. Your available credit is the amount that is figured by taking your credit limit and subtracting your current balance (or amount already used) plus any outstanding authorizations that have not posted yet. **Note: This amount can change throughout the day as charges come in. For example: Hotel merchants may use your Credit Card to make a reservation, but once you arrive at the hotel you may pay them with a check. Therefore the Hotel could withhold $200.00 of your available credit, until you fulfill payments to them.
