A credit card balance is the amount of money you owe to your credit card issuer at any given time. This balance can include purchases, cash advances, and any interest or fees that have accrued. It is important to keep track of your balance to avoid overspending and accumulating debt. When you make a payment on your credit card, it reduces your balance. If you pay the full balance by the due date, you can avoid interest charges. However, if you only make a partial payment, the remaining balance will accrue interest, which can increase your overall debt over time.