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Can I keep using my limit if I haven't repaid in full?

Yes. Your credit limit is revolving, so you don't need to clear your balance before using it again.

Your available limit is your credit limit minus what you haven't repaid yet, and repaid amounts become available again once the payment is processed. What matters is that your account stays in good standing: at least the minimum payment by the 15th, and nothing overdue.

💳 Worth knowing about the cost. While you're carrying a balance, the interest-free period doesn't apply — so new purchases start accruing interest from the day after each purchase, just like the balance you already have. Once you've repaid everything in full, the interest-free period starts working again for the months that follow.

So spending with an unpaid balance is possible, it simply costs more than spending with a clean balance.

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