Revolving credit
Credit scores & reportsCredit that can be reused as you repay, such as credit cards and overdrafts.
Overview
Revolving credit does not have a fixed end date.
Your balance can go up and down depending on spending and repayments.
Why it matters
- It affects utilisation and payment history.
- It can be convenient but easy to overuse.
- Lenders may consider revolving balances in affordability.
FAQs
Is a credit card revolving credit?
Yes. Credit cards are a common form of revolving credit.
Does revolving credit hurt my score?
Not if you manage it well and keep balances low.
Related terms
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