What is the difference between my “Current Balance” and the “Available Credit”?
The “Current Balance” is the total amount of your credit line in use at the end of the last business day. The “Available Credit” is the amount of your credit line that is accessible to you right now. The “Available Credit” includes your current credit limit, less the balance, less any cash advances, pending purchases or outstanding payments that we have received but have not yet posted. It is important to be aware that credit card authorization procedures vary among merchants, and that your “Available Credit” is updated based on the authorization information we have received. Therefore, we do not recommend that you use “Available Credit” information as the sole determination of whether you have sufficient “Available Credit” to make additional purchases.
