How does "credit available" different from a checking account balance?

Please describe the answer, i need so much help, please|||Also, your credit available is subject to change at any time.





Some people get a small lump of money and think, should I fix up my car or pay off my credit cards? They think if they pay off the credit cards they'll have available credit if something goes wrong with their car. That's not guaranteed. You're subject to credit limit changes at any time, if they get lowered right before a time of need and you spent all your money paying them off then you're screwed.





I say don't use credit other than a green American Express CHARGE card you pay off every month.|||Credit available is usually used in conjunction with credit cards. It is the difference between your credit limit and the balance owed on your card.





Checking account balance is the amount of YOUR money you have in YOUR checking account that YOU can spend.





You could think of "credit available" as the amount of THEIR money you have left to spend based upon the maximum amount of THEIR money you are allowed to spend.