Available Balance

[Mill]

Hi,

Can someone please explain to me what exactly the "available balance" in Kasikorn's K-Cyber Banking website is? I noticed that my available balance is my outstanding balance minus the total credit used from the K-web shopping card. My understanding is that it is the amount that I am entitled to use because the rest is pending or in process. Does it take a while? I have bought a couple of things online and subscribed to a foreign magazine (EGM). One more thing, is there any overdraft fee if I happen to use up more than what I have in available balance?

Thanks,

Mill

[GuestHouse]

Available Balance is calculated using the 'Payments Pending', actually works in your favour as it prevents you going over your credit limit.