In credit card terms, a revolving balance is the portion of credit card spending that goes unpaid at the end of a billing cycle. The amount can vary, going up or down depending on the amount borrowed and the amount repaid. If you revolve a balance — that is, not pay it off at the end of the month — the lender will charge you for the privilege of borrowing their money. The amount of the charge for revolving a balance will depend on the size of the balance and the interest rate of the card. When the balance is paid off, the customer is no longer revolving the debt.