Your current balance is the total of all the posted transactions as of the previous business day. Your available credit is figured by subtracting your current balance (or amount already used) from your credit limit and adding any outstanding charges that have not posted yet. Please note that 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 of your available credit until you fulfill payment.