The available credit can be defined as the unused amount of credit which is available on the credit account. Available credit along with the account balance affects the credit score of a user. When the credit amount is low, it means that credit utilization is low too. If a larger credit amount is used which is more than the available credit then the credit score is declined unless the owner has arrangements for such over-the-limit transactions. Thus, overusing such a large amount of credit can increase the charge fee. On the other hand, the account balance on the credits is the total amount that is to be transferred to the credit amount at the beginning of a statement. Any debt that was rolled over the past months also represents the account balance on credit which can include interest charges.