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Read MoreThis calculator does not include other fees, such as those for optional services credit balance insurance, etc. In general, there are reloadable cards, multi-use cards, and single-use cards. Examples of credit card issuers include banks, credit unions, or retailers, and examples of credit card networks include Visa or MasterCard. This is how much of your available credit you have spent and owe back to your lender. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Does carrying a balance affect my credit card?