Credit lines and available credit can be confusing terms, so let's break it down. Your credit line is the maximum amount of money that you're allowed to borrow from a lender. This could be a bank, credit card company, or other financial institution. Available credit is the portion of your credit line that you have not yet used. So, if you have a credit line of $1,000 and you've already borrowed $500, then your available credit is $500. It's important to keep track of your available credit because it can affect your credit score. If you max out your credit line or come close to doing so, it will lower your score. That's because it signals to lenders that you're a high-risk borrower who might not be able to repay what you owe. So, if you're trying to improve your score, it's a good idea to keep your available credit high. There are a few different ways to do this. One is by paying off your debts so that you have more room to borrow. Another is by asking your lender for a higher credit limit. If they agree to give you one, then your available credit will go up automatically. Finally, you can also open new lines of credit to increase your overall borrowing power. Do keep in mind that having too much available credit can also be negative for your score. That's because it can make you look like someone who's trying to borrow more.