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    Expenses and Costs:Manage your credit limit

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    Expenses and Costs:Manage your credit limit

    Last Updated:Jun 02, 2026

    A credit limit (shown as Regular Bank Credit in the console) is a line of credit that Alibaba Cloud grants to enterprise accounts, letting you use services now and pay later.

    Apply for a credit limit

    To request a credit limit, contact your account manager. Before applying, make sure your Alibaba Cloud account is eligible for enterprise identity verification.

    Note

    • If your enterprise accounts use financial trusteeship, the main account can apply for a credit limit and share it with member accounts.

    • If you have enabled Enterprise Account Center, the management account (MA) can apply for a credit limit and allocate it to member accounts through account sharing.

    View your credit limit

    In the Expenses and Costs console, open the Billing Account page and locate the Asset Information section. Key fields include Available Credit and its components.

    • Available Credit: Your asset balance minus outstanding charges, updated in real time. The formula varies by user type:

      • Alibaba Cloud direct customers: Available Credit = Cash Balance + Regular Bank Credit + Regular Bank Credit Refund - Historical Uncleared Bills.

      • Ecosystem partners: Available Credit = Quota - Quota Consumption Ledger Amount.

    • Bank Credit: The total credit granted to your account. You can review past adjustment records here.

    • Regular Bank Credit Refund: A refund issued when you unsubscribe, downgrade, or receive a billing adjustment for resources purchased with your credit limit. Use it to offset outstanding, current, or future bills.

      Note

      To apply Credit Refunds to historical bills automatically, enable Write off Previous Bills on the page. The system then settles outstanding monthly bills in chronological order using your Credit Refund balance.

    When your Available Credit drops below zero, your account enters an overdue state.

    Your account enters a 15-day restricted period during which you cannot purchase new resources or use auto-renewal. After this period, all running resources are stopped. If the overdue payment is not settled within 15 days after suspension, all instances are released.

    Settle any overdue payment promptly to avoid service interruption or resource release.

    Legacy console

    In the legacy console, go to Account Overview and click Available Spending Limit Details to view your Account Balance, Credit Pay limit, and Amount Due.

    • Account Balance (including past refunds): The sum of your cash balance and refund balance. Bank transfers are held here, and refunds are added to the refund balance.

    • Credit Pay limit: The legacy Credit Pay line of credit — the maximum amount you can spend before making a payment.

    • Amount Due (including unsettled amount): Your outstanding monthly bills plus the current month's unsettled charges.

    Transaction Details shows the transaction history of your account, with two views available:

    • Total Monthly Income and Expenditure: Monthly summary of transactions by funding source, channel, and type.

    • Transaction Details: A line-item record of each transaction.

    Pay with your credit limit

    When you purchase a subscription product or resource, select Alibaba Cloud credit limit on the payment page. The charge is added to your monthly bill.

    For pay-as-you-go resources, the system generates usage records each billing cycle and deducts from your Available Credit. Within-month bills stay "unsettled" until month-end, when they are issued as "To be paid" or "Paid".

    Repay your credit limit

    Pay your monthly bill by the due date shown on the bill and invoice via bank transfer, credit card, or PayPal. Alibaba Cloud payment methods.

    If you pay by bank transfer, enable Automatic Write-off on the Billing Account page. The system then settles outstanding monthly bills automatically from your Account Balance. If Automatic Write-off is disabled, pay manually: go to the Overview of Monthly Bill page, select an unpaid bill, and click Pay Bill.

    Legacy console

    If you pay by bank transfer, enable Auto-pay Monthly Bills on the Automatic Payment for Monthly Bills page. The system then pays your bills in chronological order until the payment is depleted or all bills are paid.

    If you disable auto-pay, go to Payment Details, click the To be paid tab, select an unpaid bill, and click Pay. On the Pay page, enter the amount, choose a payment method, and complete the payment.

    FAQ

    Can I use coupons for repayment?

    Credit limit charges can only be settled by bank transfer or a linked payment method. Coupons are not accepted.

    What happened to Credit Pay?

    Alibaba Cloud has discontinued Credit Pay as part of a credit control system upgrade. The Credit Pay limit in your account is the remaining credit from the legacy system. Once you settle the outstanding Credit Pay balance, your credit limit increases accordingly.