Available credit
Cards & borrowingThe amount of credit you can still use before reaching your limit.
Overview
Available credit is your limit minus your current balance.
Low available credit can indicate high utilisation.
Why it matters
- Higher available credit can help reduce utilisation.
- It affects how much you can spend without fees.
- Low availability can signal risk to lenders.
FAQs
Does available credit affect my score?
Indirectly, because it changes your utilisation ratio.
Can I increase available credit?
You can pay down balances or request a higher limit.
Related terms
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