Hello,
yes and no. Basically, they are two different things.
You have the 1000 euros on your payment card. It is basically just a kind of credit card. You buy something with it and on the 5th of the following month the money is withdrawn from your account. But you also have a credit function with it, meaning, if you wish, an installment payment option that you can use separately. However, this incurs 14.95% interest. (The interest rate should still be current.)
The financing is based on the payment card. But you have to apply for it separately and can thus determine your financing amount yourself. The amount naturally depends on your creditworthiness. However, your payment card can be an obstacle in this. The 1000 euros on your payment card practically count against your applied financing amount. So if you want to apply for, for example, 3000 euros and your bank would approve up to a total amount of 3500 euros, you effectively only get a financing amount of 2500 euros released, because you have already blocked 1000 euros on your payment card and you can continue to use it independently from the financing. Therefore, if you want to use the payment card for items that are not too expensive, it is recommended to apply for or reduce to the minimum amount of 300 euros.
Lots of technical talk, but I hope I was able to express myself reasonably clearly.
NfU
Na.