CPU Credit Balance is simply the amount of CPU Credit available in your account at any moment. When you create an instance you will get an initial CPU Credit. In every hour you will get certain amount of CPU credits automatically(this amount depends on the type of instance). If you don't burst the CPU performance the CPU Credit will be added to your CPU Credit Balance of your account. If you are out of CPU Credit(i.e. CPU Credit Balance turns into 0) your instance will work on baseline performance.