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What makes up my credit card available credit?

Available credit is the amount that you have available to spend. It is made up of:

  • Credit limit
  • Less current balance
  • Less credit card transactions that have been authorised or pre-authorised (where the final transaction amount is not known upfront), but not yet debited your account. 

Examples of pre-authorised transactions include where you have given a credit card pre-authorisation for a hire car or hotel room.

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