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What are the differences between Available Credit, Credit Limit, and Outstanding Balance on my credit card?

For credit cards opened after February 5, 2007, your SunTrust credit relationship is defined by three terms:

  • Available Credit: The amount of your credit limit that is currently available for your use.

  • Credit Limit: The total amount of credit that is assigned to your credit account.

  • Outstanding Balance: The amount of your assigned credit that you have already used.