The used limit minus the amount of early repayment. If you pay off your credit card in advance before the billing date, the usage limit shown on your credit report will be the used limit minus the early repayment amount. The credit card statement date is the 5th and the payment needs to be made on the 25th. If you return the 30,000 credit limit in advance on the 4th, then only 20,000 used credit will be generated on the billing day on the 5th.